What's a good insurance company for Wilderness Trip Outfitters

[Cedarcdc]

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!

 

[Flip357]

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.