CBIZ Adventure Sports Insurance

What CBIZ Adventure Sports Insurance does

CBIZ Adventure Sports Insurance is a national US provider of tailored commercial insurance policies for the adventure sports and outdoor recreation industry. Operating as a division of CBIZ Insurance Services, Inc. (itself a wholly-owned subsidiary of CBIZ, Inc., NYSE: CBZ) and headquartered in Lewiston, Idaho, the business has been underwriting adventure-focused coverage since 1979. The product portfolio is organized into nine vertical-specific lines: Whitewater Rafting & River Outfitters, Hunting Lodges & Big Game Outfitters, Fins & Feathers (fishing and bird hunting, co-developed with the Montana Outfitters & Guides Association), Paddle Sports Tours & Rentals, Campgrounds & RV Parks, Motorized Adventures, Equine & Pack Trips, Fishing Guides & Outfitters, Hiking & Trekking Guides, and a general Commercial General Liability product for adventure operators. Each policy is designed to address the distinct liability, guide-protection, equipment, guest-safety, and regulatory-compliance exposures of outfitters, guides, and recreation operators.

The business operates a sales-led distribution model combining inbound phone sales (800.615.8418), an online quote request portal (portal.cbiz.com), and a client portal for ongoing policy management and payments. Pricing is quote-based rather than tier-based, with flexible payment options, and there is no publicly disclosed pricing schedule. The customer base is overwhelmingly SMB — small outfitters, independent guides, and family-run recreation operators — and no enterprise anchor customers are identified. Marketing is conducted through an Insights content hub covering weather risk, hurricane preparedness, public land closures, and pre-season operational reviews, supplemented by email lists and participation in industry events and webinars. The company holds an official endorsement from America Outdoors (formalized in 2024) and is an active member of leading outdoor recreation industry associations.

Revenue is generated through insurance premiums on tailored specialty policies, classified as recurring subscription-equivalent revenue tied to annual policy renewals. No revenue, headcount, or premium-volume figures are disclosed at the division level, and the underlying technology stack is not described. The division has no AI, automation, or proprietary underwriting platform evidenced in the available data.

Name

CBIZ Adventure Sports Insurance

Legal name

CBIZ Insurance Services, Inc.

Website

https://sattleradventuresports.cbiz.com

Company type

Private

Founded year

1979

Operating status

Operating

Short description

CBIZ Adventure Sports Insurance is a national US provider of tailored commercial insurance for outfitters, guides, and recreation operators in the adventure sports industry, distributing specialty policies across nine vertical lines via phone sales, online quoting, and association partnerships.

Ownership category

akta.pro rank

Product category

Specialty Insurance Brokerage

NAICS

Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL)

akta.pro secondary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Adventure sports insurance
• Outfitter liability coverage
• Commercial general liability
• Specialty insurance brokerage
• Guide insurance policies

Headquarters

HQ city

Lewiston

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Insurance Premiums: CBIZ Adventure Sports Insurance, a division of CBIZ Insurance Services, Inc., generates revenue through insurance premiums for tailored coverage policies for adventure sports businesses including outfitters, guides, and recreation operators.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CBIZ Adventure Sports Insurance provides specialized insurance policies for adventure sports businesses, including outfitters, guides, and recreation operators. It offers tailored coverage across activity types such as whitewater rafting, hunting lodges, paddle sports, campgrounds, motorized adventures, equine trips, fishing, and hiking. The company delivers quote-based pricing, claims advocacy, risk management guidance, and flexible payment options to small and mid-sized outdoor recreation operators nationwide in the United States.

Product overview

CBIZ Adventure Sports Insurance is a national provider of tailored insurance solutions for the adventure sports and outfitting industries. The company offers a portfolio of specialized insurance products organized by activity type: Whitewater Rafting & River Outfitters Insurance, Hunting Lodges & Big Game Outfitters Insurance, Fins & Feathers Insurance (developed with Montana Outfitters & Guides Association input), Paddle Sports Tours & Rentals Insurance, Campgrounds & RV Parks Insurance, Motorized Adventures Insurance, Equine & Pack Trips Insurance, Fishing Guides & Outfitters Insurance, Hiking & Trekking Guides Insurance, and Commercial General Liability Coverage. These products share a common platform of specialized coverage designed for outfitters, guides, and recreation operators, with flexible payment options, claims advocacy, and risk management support.

Differentiator

Problem solved

Functional benefit

Products and services

• Whitewater Rafting & River Outfitters Insurance Tailored insurance policies for guides and outfitters operating whitewater rafting and river trips of all kinds, covering guide liability, equipment, and trip operations.
• Hunting Lodges & Big Game Outfitters Insurance Comprehensive protection for hunting lodges, guides, gear, and guests while operating in outdoor hunting environments.
• Fins & Feathers Insurance Specialized coverage for fishing and bird hunting guides and outfitters, developed with input from the Montana Outfitters & Guides Association.
• Paddle Sports Tours & Rentals Insurance Coverage tailored for outfitters offering kayak, SUP, canoe, and raft services, whether guiding adventures or managing rentals.
• Campgrounds & RV Parks Insurance Coverage for campground property, campsite operations, and state compliance, accommodating both tent and RV accommodations.
• Motorized Adventures Insurance Protection for guided snowmobile rides, Jeep tours, ATV/UTV excursions, and jet boat operations.
• Equine & Pack Trips Insurance Safeguard for horse rides, wilderness pack trips, and trail rides across all terrain types.
• Fishing Guides & Outfitters Insurance Policies covering guides and outfitters leading fishing trips on lakes, rivers, and streams, both on and off water.
• Hiking & Trekking Guides Insurance Coverage for day hikes, interpretive walks, and multi-day backpacking expeditions.
• Commercial General Liability Coverage Liability coverage designed to protect adventure sports businesses, clients, and financial stability from operational risks.

Named customers2 records

Segments9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• America OutdoorscoreGTM or Marketing PartnerCBIZ Adventure Sports is officially endorsed by America Outdoors, formalizing a decades-long partnership to deliver adventure-focused insurance solutions. This endorsement serves as a key trust signal and marketing differentiator for the company within the outdoor recreation industry.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Higginbotham Insurance Agency: Higginbotham is a national independent insurance agency with specialty practices for outdoor recreation, hospitality, and leisure operators — comparable to CBIZ Adventure Sports in serving multi-activity outfitters and SMB recreation businesses.
• K&K Insurance Group: K&K Insurance Group is a specialty insurance broker/underwriting manager focused on sports, leisure, recreation, and entertainment risks — a direct functional analog to CBIZ Adventure Sports in serving activity-specific outfitters, guides, and recreation operators with tailored liability products.
• Brown & Riding Insurance Services: Brown & Riding is a specialty wholesale broker placing complex and non-standard lines including outdoor recreation, adventure sports, and entertainment risks — a wholesale-side analog to CBIZ Adventure Sports' direct specialty placement.
• Heffernan Insurance Brokers: Heffernan is a large independent brokerage with dedicated sports, recreation, and outdoor-adventure practice groups serving outfitters, clubs, and recreation operators — overlapping with CBIZ Adventure Sports in target customer and specialty product set.
• American Specialty Insurance & Risk Services: American Specialty is a program administrator and specialty insurance broker delivering tailored coverage for niche industries including recreation, sports, and leisure — closely comparable to CBIZ Adventure Sports in business model (specialty program administration for vertical markets).

Broad incumbents

• Philadelphia Insurance Companies (PHLY): Philadelphia Insurance is a specialty commercial carrier with deep activity-specific programs for outdoor recreation, camps, and adventure operators — directly comparable product portfolio to CBIZ Adventure Sports' whitewater, equine, campground, and adventure lines.
• Risk Strategies Company: Risk Strategies is a large national specialty insurance brokerage with practice areas for sports, entertainment, and outdoor recreation — a broader incumbent competing for the same outfitter and guide accounts as CBIZ Adventure Sports.
• Markel Corporation: Markel is a specialty insurer with established recreation, outdoor, and adventure-sports liability lines serving guides and outfitters — a much larger incumbent whose specialty division competes head-on with CBIZ Adventure Sports for the same policyholders.
• Travelers Insurance: Travelers is a major national P&C carrier with small-commercial and recreation-related lines that compete for general liability and commercial package business from outdoor outfitters — a broad-line incumbent that pressures pricing on CBIZ Adventure Sports' core accounts.
• RLI Corp: RLI is a specialty P&C insurer with niche lines in recreational marine, outdoor sports, and small commercial — overlapping with CBIZ Adventure Sports in motor/vehicle-adjacent adventure lines (snowmobile, ATV, jet boat) and SMB underwriting style.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cbizsattler
• LinkedInlinkedin.com/company/cbiz

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CBIZ Adventure Sports Insurance