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Snowmobiles offer exhilarating outdoor experie...r adventure operators that include snowmobiles in their offerings • Seasonal...

...for RVs, motorcycles, ATVs, and snowmobiles to ensure proper underwriting and ...

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.

...s, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with you...

...s, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with you...

...shed repair shop expanding into snowmobiles, Colonial General has the tools an...oters (49 CC or more), mopeds, and snowmobiles. Can the program accommodate bu...

...cept ATVs, motorcycles, mopeds, snowmobiles (underlying auto limits 250/500/10...posures: boats, ATVs, motorcycles, snowmobiles and in-home business operations...

...tore or rent motorcycles, ATVs, snowmobiles, scooters and personal watercraft....

Caitlin Morgan Insurance Services offers a specialized Tour Operators Insurance program tailored to the unique exposures faced by tour operators and guides across the United States. This program is designed to provide comprehensive liability protection for operators involved in walking tours, sightseeing excursions, select water sports, bike tours, and more. Overview of the Program From Caitlin Morgan As a wholesale broker with access to multiple markets, Caitlin Morgan brings deep expertise and flexible solutions to retail agents seeking coverage for tour-related businesses. Our Tour Operators Insurance program addresses both general and professional liability needs, helping agents place hard-to-insure classes with confidence. Whether your client runs a historical walking tour in a major city or operates bike tours through national parks, we provide coverage that aligns with their operational risks. Ideal Accounts and Appetite Historical Tours Walking Tours Duck Tours Sightseeing and City Tours Bike Tours Select Water Sports Excluded operations include bungee jumping, water skiing, paragliding, hang gliding, scuba diving, snowmobiling, spring break tours, white water rafting, and jet skiing. Coverage Highlights and Advantages Errors & Omissions Liability coverage designed specifically for tour operators General liability coverage for a wide range of guided activities Limits available from $100,000 up to $5,000,000 Underwriting Notes and Minimum Premiums Minimum premiums start at $1,250 Underwritten through various carriers to provide flexible options You may have a client who offers guided historical tours in a major metropolitan area or a business that runs seasonal bicycle tours through scenic trails—both are strong candidates for this coverage. Territories and Availability This program is available in all 50 states plus Washington, DC. Coverage is offered on an admitted basis where available, giving agents the flexibility to serve clients nationwide. Why Work With Caitlin Morgan Insurance Services As a trusted wholesale brokerage, Caitlin Morgan Insurance Services supports agents with access to leading carriers, responsive underwriting, and specialized programs. Our Tour Operators Insurance is built with niche expertise and a strong understanding of the risks your clients face in the tourism sector. Frequently Asked Questions What types of accounts are a good fit for this Tour Operator Insurance program?Ideal accounts include walking tours, historical tours, sightseeing trips, city tours, duck boat tours, and recreational bike tours. Select water sports may also be eligible. What are some operations that are excluded from this program?Excluded activities include bungee jumping, water skiing, paragliding, hang gliding, scuba diving, snowmobiling, jet skiing, white water rafting, and spring break tours. What limits are available under this program?Coverage limits range from $100,000 to $5 million, with flexible options based on the insured's operations and risk profile. Is this program available nationwide?Yes, the Tour Operators Insurance program is available in all 50 states and Washington, DC. What is the minimum premium for this coverage?Minimum premiums start at $1,250, depending on specific account details and underwriting considerations. Need help placing an account? Connect with a market specialist.