Risk Management 101: Guide Insurance in Maine

Many people come to Maine in the summer to explore and enjoy our beautiful state.

This continues well into the fall as visitors come to photograph the foliage, hike and hunt.

That means it’s a busy time for many of the state’s 6,300 licensed guides, and outfitters. And when you’re busy, it’s doubly important to be sure you don’t overlook key safety aspects.

Of course, you have your schedule and trips mapped out, ensured you have the right equipment, outfitters booked, and your hunting/fishing/tour parties know all the rules — or at least you’ve told them.

But there’s one vital safety element that can easily be overlooked. Insurance. Specifically, custom protection that matches your activities and the risks that go with them.


Who Needs Guide and Outfitters Insurance?

Cheney Insurance in Maine can help cover the following guided and outfitter activities.

NOTE: If you don’t see your specific activity on this list, please give us a quick call and we will be happy to investigate at no obligation or charge to you:

  • Adventure/Challenge Ropes Course Facilitators
  • Mountain Biking
  • Whitewater Rafting Tours
  • Canoeing/Kayaking
  • Hunting and Fishing
  • Mountaineering and Permanent Climbing Walls
  • Sailing
  • Hunting Preserves
  • Shooting Ranges
  • Trap, Skeet, and Sporting Clay
  • Resorts and Lodges
  • Camp Operators
  • Archery Ranges


What is Guide Insurance?

Your Maine guide insurance and outfitter insurance might include the following components, some essential, others optional depending on your requirements:

  • Guide liability insurance is the most crucial protection to have in place since this protects you against legal costs following mishaps for which you’re held responsible. Coverage of up to $2m to $3m — less if you need it — is usually available and can include professional liability coverage and medical insurance, as well as protection for damage to rented property or equipment.
  • Guide property insurance or inland marine, for coverage of personal property of yours and/or clients against loss, damage and theft. This includes protection for equipment in transit, coverage for firearms and baggage.
  • Boat insurance for carrying passengers. Existing watercraft insurance that covers your personal leisure usage, does not include commercially carrying Guide Insurancepassengers or boats that are hired out.
  • Guide equipment insurance to protect against equipment failure or malfunction.
  • Guide commercial vehicle insurance for vehicles used exclusively for your business, including off road vehicles. If appropriate, you can buy insurance for just that part of the year when your business is active.


Why is Maine Guide Insurance Important?

In this line of work, you never know what is going to happen next. Of course, that’s what you love about your work. But that also means you face unusual risks that many other businesses never have to face.

Furthermore, many outdoors travelers, whether they be anglers, hunters or just would-be explorers, shop around for guides and one of the choice-factors they undoubtedly use is a check on whether the guide has adequate insurance cover.

With Maine guide insurance in place, you’ll score a competitive advantage and strengthen your own reputation. And that means repeat business, which might enable your guide insurance to effectively pay for itself.


Getting Protected

Because there are many liability risks inherently associated with guided recreation, hunting lodges, sporting ranges, guided hunts, and even equipment rentals, you need to work with an insurance agent who understand this.

Cheney Insurance Agency provides comprehensive insurance solutions to hundreds of Professional Maine Guides and have worked hard to earn our state-wide reputation for superior service. As an independent agent, we work with multiple insurers to give you the best-value coverage tailored to your unique insurance needs.

Cheney Insurance is committed to supporting our local communities and we are proud to be a corporate sponsor of the Maine Professional Guides Association. Wherever your guiding activities take you, our professional staff is ready to provide peace of mind with a comprehensive insurance solution

If you’re a guide or outfitter, you can contact us at any time for a free, no-commitment discussion of your needs.