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From whitewater rafting to guided hunting and fishing trips to campgrounds and trail rides, anyone running an outdoor adventure business needs a commercial insurance policy.

CBIZ Adventure Sports Insurance covers general liability, property, commercial auto, bonding and workers’ compensation, and much more. The coverages available can be tailored to your business’ distinct risks. Learn more on our solutions page.

We have policies for all types of outfitter and guide companies. View our solutions page for more information or reach out to our team to explore custom insurance policies.

Many factors go into calculating the cost of coverage for your business, such as the type of business, risk, location, and more. Talk to our team to determine the right coverage and associated costs.

Certificate of Insurance: A Certificate of Insurance documents insurance coverage that is in effect and identifies specific dates of coverage by line of business. It shows coverage was in force at a certain point in time and notes the carrier and limits covered for each line of business. The certificate is provided to document that a business is insured.

Additional insureds: An additional insured extends liability insurance coverage beyond the named insured to include other individuals or groups, such as a property manager. An additional insured endorsement protects the additional insured under the named insurer’s policy, allowing them to file a claim if sued.

Your equipment (rafts, oars, life jackets, wet suits, tacks, snowmobiles, UTVs, etc.) can be insured in two ways:

• Inland Marine covers your equipment, anywhere in the world.
• Business Personal Property covers your equipment when it is in a designated building, such as a boathouse.

Because of the broader coverage provided by Inland Marine, pricing is generally higher. CBIZ can insure your equipment as Inland Marine, Business Personal Property, or a combination of the two.