|
|
Outfitters & Guides |
Allen Financial Insurance GroupAmerican Equestrian & Outdoor Recreation
We are interested in
providing coverage for guides and outfitters who provide
nature walks, trail rides, hunting and fishing, and most other guided or
supervised recreational activity.
We are interested in
providing coverage for sport climbing, which has
two facets: (l)
mountaineering guides, schools, and related outdoor
activities and (2) indoor sport climbing walls and
associated indoor skill enhancement and conditioning
activities. We
consider ropes courses a guided activity.
Underwriting Requirements
1.
An
AFIG application must be completed and signed by the
proposed insured.
2.
An
inspection will be ordered.
3.
A
release/waiver of liability is required and must be
submitted with the application. Where applicable, the
equine statute must be cited as required by law. No coverage may be
bound unless this requirement is met.
Eligibility
1.
The
activity must be guided or under the direct control or
supervision of the insured.
A drop camp is considered a guided activity.
2.
The
business must be licensed as required.
3.
The
business must have been in existence for 3 or more years,
but those with less than 3 years existence may be
submitted.
4.
Each
tour must have at least one person with Red Cross first
aid certification or EMT certification.
Submit
1.
Wilderness
survival operations.
2.
International
exposures.
3.
Spelunking.
4.
Schools
or training courses of all types.
5.
Submit
any risk serves or provide liquor. A liquor legal
liability application may be required.
6.
No
more than one loss should have been suffered in the last
3 years.
7.
Operations
which target youth (minors; anyone under 18 years of
age).
8.
New
ventures when the applicant has business experience but
no prior ownership.
9.
Operations
using watercraft over 26 feet in length.
10.
Water
rafting/float trips under certain conditions; see water
rafting, canoeing and kayaking program.
11. Ropes courses or
challenge courses.
Prohibited Risk
1.
Risks
with two or more losses in the past 5 years.
2.
Gun
rental, gun repair or ammunition reloading exposures.
3.
Aviation,
including heli-ski operations, balloon, hang-gliding,
parachuting or paragliding, or bungee exposures.
4.
Any
risk which has had a license suspension in the previous 5
years.
5.
Diving
or S.C.UB.A. operations.
6.
Downhill
ski areas (back-country skiing guides excepted).
7.
Aircraft
charter operations.
8.
ATV
use with operators under age 16 or the
manufacturer’s recommendations, whichever is
greater.
10. Any
unguided equipment rental involving snowmobile’s or
ATV’s.
·
We
include limited coverage for participant’s personal
property in the CCC of the insured. This coverage
is free.
Contact us by phone (800) 874-9191, FAX (602) 992-8227 or
email below for more product information.