Outfitter, Guides, & Hunting Lodge Insurance
Sturgis, Summerset

Outfitters, guides, and hunting lodges operate in environments that come with unique risks. From firearms and boats to remote locations and unpredictable weather, these businesses require specialized outfitter, guide, and hunting lodge insurance designed for real-world exposures.

At Leavitt Recreation and Hospitality Insurance, we understand these risks firsthand. Our Vice President, Chris Hipple, has been actively hunting and fishing his entire life, and his career in insurance began by working directly with hunting lodges to ensure their operations were properly protected. That experience helped shape our industry-leading approach to insurance for outfitters, guides, and hunting lodges across the country.

Outfitter, Guide, and Hunting Lodge Insurance Coverage We Offer

We provide insurance solutions for a wide range of hunting, fishing, and outdoor hospitality operations, including:

• Alaska fly-in fishing and hunting lodges

• Southern hunting plantations

• Ozark fishing resorts

• Texas big game and bird shooting preserves

• Upland hunting lodges throughout the Midwest

• Rocky Mountain fishing and hunting lodges

Each operation presents different exposures, and our programs are designed to scale for both seasonal and year-round businesses.

Insurance Coverage for Guest Activities and Guided Experiences

Outfitters and guides are responsible for guest safety during high-risk, guided activities. Our outfitter and guide insurance programs are structured to address liability exposures associated with:

• Guided hunting with firearms and archery equipment

• Fishing excursions on lakes, rivers, and remote waterways

• Boat use, including transport to and from lodge properties

• Horseback riding, hiking trails, and backcountry access

• Wading streams and navigating rugged terrain

These activities increase the potential for injury or property damage, making properly structured general liability coverage essential.

Coverage for Dogs, Kennels, and Breeding Operations

For many hunting lodges and outfitters, dogs are not optional — they are central to the operation. We understand the added exposures associated with:

• Kennel operations

• Breeding and training programs

• Working dogs used during guided hunts

Our hunting lodge insurance programs can be tailored to account for animal-related liability and property considerations that standard policies may overlook.

Insurance for Remote and Hard-to-Reach Properties

Some lodges are only accessible by boat or aircraft, which creates additional challenges for property protection, emergency response, and claims handling. Our programs offer:

• High-capacity property insurance for large, remote lodge structures

• Coverage designed for transportation and access limitations

• Protection for buildings, equipment, and operational infrastructure

Remote access increases exposure, but it doesn’t have to limit your coverage options.

Property and Liability Insurance Built for Outdoor Risk

Hunting and fishing operations expose guests to the elements — water, weather, firearms, and wilderness conditions. Liability risks often arise from:

• Firearms use

• Water-based activities

• Slips, falls, and environmental exposure

• Guest accidents in remote locations

Our outfitter, guide, and hunting lodge insurance programs are built to address these challenges with strong general liability coverage and substantial property insurance capacity for high-value facilities.

Designed for the Realities of Outdoor Hospitality

No two operations are the same. Whether you run a fly-in lodge, a guided hunting operation, or a multi-activity outdoor resort, having the right outfitter, guide, and hunting lodge insurance helps protect your guests, your property, and your long-term success.

Our programs are built to meet the challenges of outdoor recreation and hospitality — no matter how remote or specialized your operation may be.

Frequently Asked Questions

• How is insurance handled for remote hunting lodges?

  Remote hunting lodges often require customized property and liability insurance due to access limitations and emergency response considerations. Remote lodge insurance programs are designed to account for transportation challenges, higher property values, and environmental risks.

• Does outfitter insurance cover firearms and boats?

  Outfitter insurance can be structured to address liability exposures associated with firearms and watercraft use. Coverage depends on how the equipment is owned, used, and provided to guests, which is why a tailored insurance program is critical.

• What is outfitter insurance?

  Outfitter insurance is specialized coverage designed for businesses that organize and lead outdoor recreational experiences. It typically includes general liability, property coverage, and optional protections for equipment, animals, and transportation risks.

• Do fishing and hunting guides need liability insurance?

  Yes. Guide insurance is essential for hunting and fishing guides because it helps protect against claims related to guest injuries, equipment use, or accidents during guided activities. Liability coverage is especially important when firearms, boats, or rugged terrain are involved.

• What insurance does a hunting lodge need?

  Most hunting lodges need general liability insurance, property insurance, and often commercial auto or watercraft coverage. Hunting lodge insurance is designed to address guest injuries, firearms exposure, lodging risks, and damage to buildings or equipment.