What's a good insurance company for Wilderness Trip Outfitters

Cedarcdc

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Howdy, my name's Cedar and I'm starting a business guiding people in trips that include: backpacking, camping, and fasting from food. I would like to buy wilderness outfitter's insurance to cover things like environmental hazards, participants' stupidity, and delierious desision-making from fasting. I'm not sure which company to choose, has anyone else done that research? Some options Chat GPT gave me are
  • Philadelphia Insurance Companies (ive used them before because they're cheap but i'm not sure how specialized they are knowing the details of wilderness guiding as it is a huge company that offers insurance for tons of different activities)
  • Adventure Sports Insurance (ASI)
  • Outdoor Sports Insurance (OSI)
  • K&K Insurance Group
  • American Specialty Insurance & Risk Services (ASI)
  • Westchester Outdoor
  • Outdoor Adventure Insurance
To name a few.
What are the main things to consider? Any pitfalls I might get into?

Thank you kindly!
 
You are going to need General Liability, Umbrella, BI/PD, and Cyber policies at a minimum.

You should hire a broker to analyze your risk profile and shop policies on your behalf. They can access dozens of companies you do not, they can also approach Lloyd's.

You need a broker, not ChatGPT.
 
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