As an insurance agent or broker working with outdoor adventure businesses, you understand the importance of protecting clients operating in high-risk environments. Prime Insurance Company offers a comprehensive, non-admitted program tailored specifically for outfitters, guides, and instructors. Whether your client leads fishing expeditions, zip line tours, or snowmobile trips, this program is designed to help safeguard their operations against liability and financial loss.
This program is built for professionals who lead others into nature’s wildest terrain—where accidents can happen, even with the most experienced staff and safety protocols. Through Prime’s all-in-one approach, insureds benefit from direct access to underwriting, risk management, and claims handling, ensuring a responsive and customized experience for each operation.
Ideal Accounts and Risk Classes:
- ATVs and UTVs
- Bicycle Tours and Rentals
- Camping, Hiking, and Rock Climbing Guides
- Guest Ranches and Equine-Based Activities
- Hunting and Fishing Outfitters
- River Rafting and Kayaking Tours
- Zip Line and Ropes Courses
- Jet Ski, Boating, and Other Water Sports
- Winter Activities (e.g., snowmobiling, skiing)
- Youth-at-Risk Programs
- And many more outdoor adventure operations
Coverage Highlights and Benefits:
- Customized policies based on client operations and risk profile
- Direct access to underwriting without extra layers
- Risk management support tailored to outdoor exposures
- Claims handled in-house for faster resolution
- All-in-one policy structure for broader protection
Underwriting Considerations:
Each submission is underwritten individually, with a strong emphasis on safety protocols, guide/instructor experience, and operational details. While no minimum premium is listed, this non-admitted program is designed for businesses that understand the importance of specialized coverage and risk management.
Territorial Availability:
Available in all 50 states and Washington, DC, including high-outdoor-activity states like CO, MT, UT, CA, AK, and WY. This wide availability supports agents working with clients across multiple regions or with multi-state operations.
Why Work With Prime Insurance Company:
Prime Insurance Company is a Managing General Agency with deep expertise in high-risk and specialty markets. Their hands-on underwriting, in-house claims handling, and flexible approach to unique outdoor exposures make them an ideal partner for agents serving outfitters, adventure companies, and youth-focused programs. You can count on Prime for creative, responsive solutions where standard markets may fall short.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for clients involved in outdoor adventure activities such as guided hunting trips, whitewater rafting, ATV tours, zip lines, and youth camps with high-risk exposures.
Is this coverage available in all states?
Yes, the program is available in all 50 states and Washington, DC, making it a strong option for agents with multi-state clients or operations.
What makes Prime’s program different from standard markets?
Prime offers a custom underwriting approach, all-in-one policy structure, and in-house claims management, making it well-suited for complex or non-standard risks.
Can I access underwriters directly for this program?
Yes. Prime provides direct access to underwriters, allowing agents to discuss risks and tailor coverage more efficiently.
Are there specific safety or experience requirements?
Yes, underwriting considers the experience of guides/instructors, safety protocols, and operational details when evaluating each submission.
Need help placing an account? Connect with a market specialist.