Nature & Wildlife Guide Insurance
Coverage for nature and wildlife guides leading paying groups on trails and into the backcountry, where terrain and animals create participant-injury exposure.
What this coverage is intended to address
- ✓Third-party bodily injury to a participant that may arise during a guided hike or wildlife tour
- ✓Property damage that may occur to a trailhead, reserve, or landowner property used on the tour
- ✓Binoculars, packs, safety gear, and tour equipment, when scheduled on the policy
Coverage products commonly considered
Most nature & wildlife 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 participant slips on a rocky trail during a guided wildlife walk and alleges an injury — general liability is intended to respond in the event of a covered claim.
- A tour group is alleged to have damaged fencing while crossing a private easement. An allegation of this kind is generally intended to be addressed under the liability coverage.
Frequently asked questions
Do liability waivers cover everything on a guided tour?
Waivers are valuable but do not remove the need for insurance, since an injured participant may still bring a claim. General liability is generally intended to respond to covered participant-injury allegations alongside your signed waivers.
What about access to parks and private reserves?
Land managers and private owners often require being named as additional insured before allowing guided access. That endorsement is generally intended to extend certain protections to the land or reserve owner.
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