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Insurance Designed Specifically for Distributors

When your business moves products through complex channels, you face risks most insurance policies don’t understand — or cover. At US Guide Insurance, we specialize in protecting distributors with policies built for the real-world challenges of managing logistics and supply chains.

Our Partners

How We Stack Up

Product comparison
US Guide Insurance
All Things Outdoors
Generic Insurance Providers
Designed specifically for guides & outfitters
✅ Yes
❌ No
Coverage for hunting, fishing, charters, and lodges
✅ Yes
❌ Limited
Gear & equipment protection (firearms, boats, ATVs)
✅ Included
❌ Often excluded
Guide/client liability options
✅ Tailored policies
❌ Generic language
Personalized quote process
✅ Yes
❌ Lengthy & confusing
Real people who know the outdoor industry
✅ Always
❌ Call centers
Seasonal & part-time guide flexibility
✅ Available
❌ Rare

Tailored Outdoor Coverage

Every policy is built specifically for distributors, outfitters, lodges, and outdoor pros — not just generic business insurance.

Real Experts Who Know the Industry

Our team understands the risks you face because we live and breathe the outdoor business.

Reliable, Human Support

No call centers or runaround — just friendly, knowledgeable help when you need it most.

FAQs

Every business is different — and so are the risks. That’s why it’s important to understand what your policy covers (and what it doesn’t). From liability protection and equipment coverage to client injuries and vehicle use, our team will walk you through each option so you can make informed decisions and avoid surprises when it matters most.

What type of insurance do I actually need as a distributor?

Distributors often need a combination of general liability, product liability, commercial property, cargo coverage, and commercial auto depending on how products are stored and transported.

Will my personal liability or homeowners insurance cover my business?

Usually not. Most personal policies exclude commercial distribution activities, so you’ll need a separate policy designed specifically for your business operations.

Does insurance cover my inventory and transportation vehicles?

Yes, if you choose equipment and gear coverage. This protects inventory, warehouse equipment, and vehicles from theft, loss, or damage during storage and transit.

What if a product I distribute causes injury or damage — am I liable?

Yes, you could be. That’s why liability insurance is crucial — it helps protect you from lawsuits or claims if a distributed product causes harm or damage.

Do I need insurance if I only distribute part-time or seasonally?

Yes. Even part-time or seasonal distributors face risks. Many insurers offer seasonal or flexible policies that fit your schedule and budget.

Still have questions?

At US Guide Insurance, we know the outdoor industry because we live it. Whether you're just getting started or have been guiding for decades, our team is here to answer your questions, walk you through your options, and make sure you get the right coverage for your unique needs.

Want to talk with an expert?

Have questions about coverage? Need help finding the right policy? Our team specializes in insurance for guides, outfitters, and outdoor businesses — and we're here to make things simple. No call centers. No fluff. Just real answers from people who understand your world.