White Water Rafting Outfitters and Guides
Sturgis, Summerset

Life on the river isn’t just what you do—it’s who you are. You’re passionate about the water, committed to safety, and proud of the unforgettable experiences you deliver to every guest. From top-tier equipment and well-trained guides to thoughtful trip planning and customer care, your operation is built on professionalism and trust.

When your business runs Class I through Class V (5) whitewater, that commitment matters even more—and your insurance needs to reflect the realities of high-adventure operations.

Protect Your Business Against the Unexpected

Even with meticulous equipment maintenance, guide training, and safety protocols, the inherent risks of whitewater rafting can never be eliminated. A transport vehicle may be involved in an accident, a guest could be ejected from a raft and injured in turbulent water, or—at the most serious end of the spectrum—a drowning or catastrophic injury could occur.

These risks increase with advanced whitewater, particularly Class IV and Class V rapids, where powerful hydraulics, steep gradients, and technical lines demand expert guides and well-managed operations.

Risk management starts with:

• Regular inspection and maintenance of all rafts, frames, helmets, PFDs, and safety gear
• Proper training, certification, and documentation for guides and trip leaders
• Clearly defined safety plans, emergency response protocols, and incident reporting
• Thorough guest briefings and skill-appropriate trip assignments

But even the best-run outfitters need insurance designed specifically for the realities of whitewater rafting.

Specialized Insurance for High-Adventure Whitewater Operations

Signed waivers are an important risk-management tool, but they do not eliminate your exposure to lawsuits or liability claims. When something goes wrong—especially on advanced whitewater—your business needs insurance coverage that understands the sport and stands up in real-world claim scenarios.

We provide insurance solutions tailored for whitewater rafting outfitters and guides, including operations running Class V (5) rapids, and covering exposures such as:

• Guided whitewater rafting trips (Class I–V)
• Equipment rentals and demo gear
• Offices and facilities for trip check-in, rentals, and instruction
• Equipment storage yards and warehouses
• Transportation of guests and gear to and from the river
• Food and beverage concessions
• On-river and off-river instruction and training
• Camping and overnight river trips
• Hiking and ancillary adventure activities
• Retail sales of apparel, gear, and souvenirs

Insurance Coverage Options Designed for Whitewater Outfitters

We tailor insurance programs to match your specific operation, river class, trip types, and ancillary services. Coverage options may include:

• Liability coverage (general, professional, and participant liability)
• Commercial automobile for shuttles, buses, and gear vehicles
• Commercial property for offices, lodges, and storage facilities
• Guest property coverage
• Accident medical coverage
• Event cancellation and non-appearance
• Inland marine for mobile and high-value equipment
• Business interruption and extra expense
• Crisis response and reputational risk coverage
• Employment practices liability
• Employee dishonesty
• Cyber liability for online bookings and customer data
• Theft
• Umbrella and excess liability for higher-limit protection
• Workers’ compensation for guides and staff

Insurance Partners Who Understand Your Rivers, Risks, and Reality

As specialists in outdoor recreation and hospitality insurance, we take the time to understand your operation—your rivers, your guides, your safety culture, and your long-term goals. We know which carriers are comfortable with Class V whitewater, what underwriting details matter, and how to position your business for the strongest coverage and most competitive terms.

Whether you’re a single-river outfitter or a multi-location operation with lodging, retail, and transportation, we’ll make sure your insurance program matches the level of adventure you deliver—without leaving you exposed.

No matter the size of your business or the scope of your services, we’re here to help protect what you’ve built so you can keep doing what you love: running great rivers and delivering world-class experiences.