Float Trip / Rafting Guide Insurance
Coverage for float trip and rafting guides running paying groups through current, where swift water and rapids drive participant-injury exposure.
What this coverage is intended to address
- ✓Third-party bodily injury to a participant that may arise during a guided float or rafting trip
- ✓Property damage that may occur to a launch site, shuttle route, or landowner property
- ✓Rafts, paddles, helmets, life jackets, and trip gear, when scheduled on the policy
Coverage products commonly considered
Most float trip / rafting guide operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A rafter is thrown from the boat in a rapid and alleges an injury during the trip — general liability is intended to respond in the event of a covered claim.
- A shuttle vehicle ruts a private access road and the landowner alleges damage. A claim of this nature is generally intended to be addressed under the liability portion of the policy.
Frequently asked questions
Are waivers enough for a rafting operation?
Waivers reduce risk but do not replace coverage, because a participant may still file a claim after a swift-water incident. General liability is generally intended to respond to covered participant-injury allegations in addition to your waivers.
Do outfitters and landowners require additional-insured status?
Permitting agencies, outfitters, and landowners frequently require being named as additional insured for river access. That endorsement is generally intended to extend certain protections to the named party.
Get a Float Trip / Rafting Guide insurance quote
Takes about 3 minutes. We'll route you to an instant-quote carrier when one fits.
Start my quote →