Guides & Tourism in Alaska

Alaska's guides, outfitters, and tour operators sell an experience that depends on wild, unpredictable terrain: glaciers, rivers, remote lodges, and backcountry only reachable by boat or aircraft. That same terrain is what makes guiding one of the more exposed businesses to insure, and one accident on a guided trip can threaten an entire season of revenue. Business Insurance Associates builds insurance programs for hunting and fishing guides, wilderness outfitters, and tour operators across the state.

Coverage for Guides, Outfitters, and Tour Operators

Guided adventure businesses carry risk well beyond a typical general liability policy. Depending on your operation, your policy may include:

• General liability insurance for guest injuries during guided activities
• Inland marine coverage for firearms, boats, ATVs, and snowmobiles
• Property coverage for remote lodges and cabins
• Watercraft, aircraft, or commercial auto coverage for guest transport
• Professional liability for guiding decisions and judgment calls
• Workers' compensation for guides and lodge staff

Lodges that also serve as a place of business should review our commercial property insurance options as well.

Meeting Permit and Land-Use Insurance Requirements

Guiding on National Forest, National Park, or other public land typically requires proof of liability insurance as a condition of your permit, and coverage gaps can put that permit at risk. We help operators carry documentation that satisfies land management agencies while also protecting the business from the everyday risks of guiding in Alaska's backcountry, from firearms and watercraft to guests unfamiliar with wilderness conditions.