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CBIZ Adventure sports: Experts in Adventure & Insurance

The team at CBIZ Adventure Sports began its commitment to the adventure sports and outfitters industry in 1979. Our own personal engagement in outdoor recreation activities led us to create this insurance program, offered through CBIZ Adventure Sports.

What started with four outfitters in Idaho has grown to thousands of outfitters in all 50 states. We insure businesses offering camping, dude ranches, yurts, charter boat excursions, canoeing, kayaking, white water rafting, fishing, big game hunting, horse rides, jet boats, snow cats, snowmobiles, ATVs, UTVs, Heli skiing, and even llama trekking. In 2014, the agency merged with CBIZ, one of the nation’s leading providers of financial, benefits and insurance services. The merger allows CBIZ Sattler Adventure Sports to offer clients additional tools and product offerings.

Our dedication to and involvement in the industry remains strong today. From testifying at state judiciary sessions on behalf of outfitters and guides, to speaking and exhibiting at industry association meetings and events, we are committed to supporting your industry. This engagement allows us to keep up with trends to help you proactively manage any additional risk as a result of industry changes.

Frequently Asked Questions

Who needs Outfitters and Guides Insurance?

From white water rafting to guided hunting and fishing trips to campgrounds and trail rides, anyone running an outdoor adventure business needs a commercial insurance policy.

What does Outfitters and Guides Insurance cover?

Sattler Adventure Sports Insurance covers general liability, property, commercial auto, bonding and workers’ comp and much more. The coverages available can be tailored to your business. Learn more on our coverage page.

What types of insurance do you offer?

We have policies for all types of outfitter and guide companies. View our coverage page for more information or reach out to one of our experts so we can craft an insurance policy specific to your needs.

What are the costs?

Many factors go into calculating the cost of coverage for your unique business, such as the type of business, risk, location and more. The best way to determine the right coverage and its cost is to talk to one of our experts.

What is the difference between a Certificate of Insurance and Additional Insured?

Certificate of Insurance

A Certificate of Insurance documents insurance coverage that is in effect, and identifies specific dates of coverage by line of business. It shows coverage was in force at a certain point in time, and notes the carrier and limits covered for each line of business. The certificate is provided to document that a business is insured.

Additional Insureds

An additional insured extends liability insurance coverage beyond the named insured to include other individuals or groups, such as a property manager. An additional insured endorsement protects the additional insured under the named insurer's policy allowing them to file a claim if sued.

Should I insure my equipment under Inland Marine or Business Personal Property?

Your equipment (rafts, oars, life jackets, wet suits, tack, snowmobiles, UTVs etc.) can be insured in two different manners.

Inland Marine covers your equipment when it is anywhere in the world.

Business Personal Property covers your equipment when it is in a designated building, such as a boathouse.

Because of the broader coverage provided by Inland Marine, the pricing is generally higher. We can insure your equipment either as Inland Marine, Business Personal Property or a combination of the two.

image of a mountain with a review about cbiz adventure sports

image of a fisherman with a review about cbiz adventure sports insurance

	Katy Miller \| Vice President of Personal Lines Katy Miller has been with the CBIZ Sattler team for over 25 years. She has the pleasure of working with business owners on insuring their personal lines, ie. home, auto, etc. Katy loves spending time outdoors, especially camping, rafting, and parasailing. Favorite Adventure Sports Activity: She can’t choose one! Katy loves taking advantage of whatever opportunity is in front of her. Carpe Diem!
	Leslie Frazee \| Vice President of Commercial Lines Leslie Frazee has been providing guidance to clients in the Outdoor Recreation industry since 1995. Leslie has shown her commitment to the industry by obtaining the Certified Insurance Counselor (CIC) and Certified Risk Manager (CRM) designations. This allows her to counsel clients on their insurance coverage needs and risk management techniques for their outdoor businesses. When not in the office, you can find Leslie rafting, riding UTVs or camping. Favorite Adventure Sports Destination: Anywhere there are mountains or on the water.
	Denise Leeper \| Commercial Lines Account Manager Denise Leeper joined CBIZ Sattler in 2010. Denise has 16 years of experience in the accounting field. She obtained her Idaho Property & Casualty License in 2012, serving clients in the Commercial Lines & Personal Lines Department. Denise enjoys spending time hiking in the woods. Favorite Adventure Sports Activity: Riding UTVs & ATVs!
	Ashley Stephens \| Commercial Lines Account Manager Ashley Stephens began her insurance career in 2004. She is a licensed property/casualty insurance agent in multiple states and her focus is in commercial insurance with experience in the outfitter and guide and construction industries. She has served as Membership Director for the National Association of Women in Construction (NAWIC) of Tri-Cities, WA. Ashley enjoys spending time with her family while paddle boarding, camping and riding ATVs. Favorite Adventure Sports Destination: The Big Island of Hawaii!
	Holly Smith \| Commercial Lines Account Manager Holly Smith has been with CBIZ Sattler for over 8 years, but has been in the adventure sports industry most of her life. As a past ski instructor and bike sports shop employee, she had the opportunity to partake in many outdoor activities. Holly’s experience in insurance and the adventure sports industry allows her a deeper understanding of our product. Favorite Adventure Sports Destination: The mountains, and she is lucky to get out to them on a regular basis!
	Tyler Hart \| Account Manager Tyler recently embarked on his insurance career, earning his Idaho Property & Casualty License in 2024. Outside of work, he’s a passionate nature enthusiast who enjoys hiking scenic trails and foraging for huckleberries. Favorite Adventure Sports Activity: Hiking and driving Jeeps off-road.
	Mary Hall \| Account Manager and Production Underwriter Mary Hall has been in the adventure sports sector for 10 years and has spent more than 20 years in the insurance industry. In her free time, you can find Mary hiking, camping, or fishing. She loves to explore! Favorite Adventure Sports Destination: Anywhere near water or mountains that she can park her Travel Trailer!

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800.615.8418 | [email protected]

1504 8th Street | Lewiston, ID 83501

Monday - Friday | 8:30 a.m. - 5 p.m. (PST)

ABOUT US

CBIZ Adventure Sports Insurance, a division of CBIZ Insurance Services, Inc., is the largest insurer of adventure sports businesses in the United States. As part of an $850 million New York Stock Exchange traded company (CBZ), we developed a policy coverage to meet the needs for those in the recreation and outfitting industries. Our policy is underwritten by an A.M. Best Rated A++ (Superior) company.

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	Katy Miller \| Vice President of Personal Lines Katy Miller has been with the CBIZ Sattler team for over 25 years. She has the pleasure of working with business owners on insuring their personal lines, ie. home, auto, etc. Katy loves spending time outdoors, especially camping, rafting, and parasailing. Favorite Adventure Sports Activity: She can’t choose one! Katy loves taking advantage of whatever opportunity is in front of her. Carpe Diem!
	Leslie Frazee \| Vice President of Commercial Lines Leslie Frazee has been providing guidance to clients in the Outdoor Recreation industry since 1995. Leslie has shown her commitment to the industry by obtaining the Certified Insurance Counselor (CIC) and Certified Risk Manager (CRM) designations. This allows her to counsel clients on their insurance coverage needs and risk management techniques for their outdoor businesses. When not in the office, you can find Leslie rafting, riding UTVs or camping. Favorite Adventure Sports Destination: Anywhere there are mountains or on the water.
	Denise Leeper \| Commercial Lines Account Manager Denise Leeper joined CBIZ Sattler in 2010. Denise has 16 years of experience in the accounting field. She obtained her Idaho Property & Casualty License in 2012, serving clients in the Commercial Lines & Personal Lines Department. Denise enjoys spending time hiking in the woods. Favorite Adventure Sports Activity: Riding UTVs & ATVs!
	Ashley Stephens \| Commercial Lines Account Manager Ashley Stephens began her insurance career in 2004. She is a licensed property/casualty insurance agent in multiple states and her focus is in commercial insurance with experience in the outfitter and guide and construction industries. She has served as Membership Director for the National Association of Women in Construction (NAWIC) of Tri-Cities, WA. Ashley enjoys spending time with her family while paddle boarding, camping and riding ATVs. Favorite Adventure Sports Destination: The Big Island of Hawaii!
	Holly Smith \| Commercial Lines Account Manager Holly Smith has been with CBIZ Sattler for over 8 years, but has been in the adventure sports industry most of her life. As a past ski instructor and bike sports shop employee, she had the opportunity to partake in many outdoor activities. Holly’s experience in insurance and the adventure sports industry allows her a deeper understanding of our product. Favorite Adventure Sports Destination: The mountains, and she is lucky to get out to them on a regular basis!
	Tyler Hart \| Account Manager Tyler recently embarked on his insurance career, earning his Idaho Property & Casualty License in 2024. Outside of work, he’s a passionate nature enthusiast who enjoys hiking scenic trails and foraging for huckleberries. Favorite Adventure Sports Activity: Hiking and driving Jeeps off-road.
	Mary Hall \| Account Manager and Production Underwriter Mary Hall has been in the adventure sports sector for 10 years and has spent more than 20 years in the insurance industry. In her free time, you can find Mary hiking, camping, or fishing. She loves to explore! Favorite Adventure Sports Destination: Anywhere near water or mountains that she can park her Travel Trailer!