How Montana Legacy Insurance Saved One Outfitter Guide Business $12,000 on Their Insurance: Why Experience Matters
- Jesse B. Lucero
- Jul 1
- 10 min read
Introduction
Imagine running a successful outfitter guide business—taking guests into the wilds of Montana for big-game hunts, fly-fishing expeditions, and once-in-a-lifetime backcountry trips. Your operation depends on safety, reliability, and trust. But behind the scenes, you're stuck with sky-high insurance premiums, limited coverage, and frustrating claim processes. That was the reality for one Montana guide—until Montana Legacy Insurance, and the expertise of Kelly Bishop, changed everything.
Within weeks, Kelly helped this business save $12,000 annually on their insurance. But it wasn’t just about the money. It was about finally having the right coverage, working with someone who understood the unique challenges of outfitting, and building a relationship rooted in trust and experience. This is the story of how experience matters—and how
https://www.montanalegacyinsurance.com/ is proving that every day.
The High Stakes of Outfitter and Guide Insurance
Understanding the Unique Risks in the Outdoor Industry
Guiding isn't just a job—it's a lifestyle filled with risk, liability, and unpredictable conditions. One misstep can lead to injured clients, damaged gear, or even lawsuits. Outfitters carry people, weapons, boats, horses, ATVs—sometimes all in one trip. Their insurance needs aren't even close to that of a standard small business. They require policies that protect against unique scenarios like search and rescue costs, equipment loss, and land use liability.
Standard business policies don’t cut it. Many outfitters mistakenly believe they’re covered until disaster strikes—and they realize their policy had critical gaps. That’s why working with an agency that specializes in this space is not just smart, it’s non-negotiable.
Why Specialized Coverage Is Essential
Guides and outfitters need coverage that adapts to the wild, not just the office. Think of general liability tailored for backcountry risks, or inland marine coverage for high-value gear transported across rugged terrain. What about protection if a guest is injured while on horseback or in a raft? Or what if a forest fire disrupts your hunting season, forcing cancellations and refunds?
Montana Legacy Insurance understands these realities. With over 40 carrier options and decades of experience in rural and outdoor policies, they know how to craft insurance packages that reflect the true nature of the business. This level of specialization can mean the difference between surviving a claim—or going out of business because of one.
Meet the Client: A Montana Outfitter Facing Sky-High Premiums
The Initial Problem: Overpriced, Underperforming Insurance
The outfitter at the center of this story had been in business for years. They offered guided elk hunts, fly-fishing tours, and seasonal wilderness trips. Business was booming—but insurance costs were killing their margins. At over $20,000 per year, their policy offered limited coverage and a laundry list of exclusions. Worst of all, their agent didn’t really understand the nature of their work.
Year after year, they were told, “It’s the best rate out there.” But the premiums kept climbing while the protection didn’t. Frustrated, they began looking for a second opinion—and found Montana Legacy Insurance.
Mounting Frustration and Missed Opportunities
Besides the high cost, the guide’s current insurance came with red tape that made filing claims or adjusting coverage a nightmare. They once had to wait weeks just to add a seasonal guide to their policy. They also discovered that some of their most expensive gear wasn’t even fully covered under their inland marine clause.
In a business where time is money—and mistakes can cost thousands—they needed a partner, not just a policy. That’s when a referral led them to Kelly Bishop.
Enter Kelly Bishop and Montana Legacy Insurance
Leveraging Experience to Uncover Hidden Savings
When Kelly first reviewed the guide’s existing policy, she immediately spotted several inefficiencies. The policy was filled with overlapping coverage, unnecessary riders, and didn’t even utilize the full value of the outfitter’s risk profile. Within days, she had contacted multiple carriers through Montana Legacy’s network to initiate competitive bidding.
Using her deep knowledge of outdoor-focused underwriting, Kelly restructured the coverage into a leaner, more comprehensive plan—cutting premiums by $12,000 annually while improving protection. It wasn’t magic—it was experience.
A Personalized, No-Nonsense Approach to Coverage
Kelly doesn’t believe in selling. She believes in solving problems. From the first call, she asked detailed questions about the guide’s operations, seasonality, transportation needs, and clientele. She listened more than she spoke, then used that info to build a smarter solution.
Her no-BS approach impressed the outfitter. There were no vague promises or scare tactics—just data-backed recommendations, straight talk, and fast follow-through. It was the exact experience the guide had been missing for years.
The $12,000 Turnaround: Breaking Down the Savings
Comparing Old vs. New Policy Terms
Let’s get into the numbers. The original policy carried a hefty $20,000+ annual premium. It offered minimal liability coverage ($1 million per occurrence), inadequate inland marine limits for expensive gear, and zero business interruption protection. Worse yet, the outfitter was locked into a rigid policy structure that didn’t reflect the seasonal nature of their business.
Kelly Bishop rebuilt the entire plan. She negotiated a new policy that lowered the premium to just under $8,000 annually. Yet, it increased general liability limits, added comprehensive equipment coverage, and even included a rider for business interruption due to wildfire or land access issues—something the previous provider couldn’t even quote.
It wasn’t just about slashing costs. The new policy delivered more value in every line item. Better protection, smarter structure, and the kind of coverage that made sense for a Montana-based outfitter operating deep in the wild.
Carrier Competition and Customization
How did she do it? One word: leverage.
With access to over 40 insurance carriers, Kelly created a competitive bidding environment. Rather than accepting one offer and calling it good, she pushed multiple outdoor-friendly insurers to sharpen their pencils. This approach not only uncovered better pricing but also allowed her to mix and match components that fit the outfitter’s true needs.
Think of it like building a custom fly rod instead of picking one off the shelf. Kelly understood what mattered—gear protection, personal liability for guides, coverage for guests in remote areas—and assembled a plan accordingly. It was true customization, something the old provider simply didn’t offer.
More Than Just Savings: Better Coverage, Fewer Headaches
Streamlined Claims Process
One of the guide’s biggest gripes with their previous insurer was how painfully slow the claims process had been. They’d once waited over two months for a resolution on a damaged trailer claim. With Montana Legacy, that changed fast.
Kelly ensured the new carrier had a proven track record of fast, fair claims service, especially for outfitter clients. When a small equipment loss occurred the next season, the claim was approved and paid within 7 business days. That kind of turnaround can be the difference between keeping trips on schedule—or canceling valuable bookings.
Kelly also provided clear guidance on what documents to keep, how to report incidents, and even pre-filed some documentation to speed things up. That’s the benefit of working with someone who’s been there, done that.
Enhanced Liability and Equipment Protections
Saving money is great, but it means nothing if the coverage doesn’t deliver when needed. Fortunately, Kelly made sure the new policy expanded critical protections. Here’s how:
Higher Liability Limits: The guide’s per-occurrence limit was doubled, and umbrella coverage was added to protect against catastrophic claims.
Equipment Insurance: All high-value items—like satellite phones, spotting scopes, boats, and trailers—were fully covered under the new inland marine policy.
Guest Coverage: Specific clauses were added to protect against client injury lawsuits and medical expenses, even in rugged backcountry settings.
Seasonal Adjustments: Premiums now reflect the actual operating months of the business—meaning no more paying full-year rates for a six-month season.
It wasn’t just a better deal—it was a smarter one, built to adapt and grow with the business.
Why Experience Really Does Matter in Insurance
The Power of Knowing What Questions to Ask
Anyone can sell insurance, but not everyone knows what to ask before writing a policy. That’s where Kelly Bishop shines. Her experience working with rural clients, outfitters, farmers, and specialty businesses means she brings a unique depth of knowledge to the table.
She knew to ask about land use permits, subcontracted guides, liability waivers, and seasonal downtime. She knew which carriers respected outfitting as a profession—and which ones simply treated it as “high-risk recreation.” That level of insight saved time, avoided missteps, and ultimately saved $12,000.
Fast Turnaround and Long-Term Peace of Mind
One of the outfitter’s biggest takeaways from the experience was how fast and stress-free the switch was. Kelly got quotes, rewrote the policy, and handled the paperwork—all in under two weeks. But her impact goes beyond efficiency.
There’s a peace of mind that comes from working with someone who gets your business, who anticipates your needs, and who always answers the phone. That peace of mind is priceless. And that’s what real insurance should feel like.
How Montana Legacy Works with Over 40 Carriers
Creating Competitive Bidding Opportunities
Most insurance agents are locked into 2–3 providers, meaning your options are extremely limited. Montana Legacy flips that script. With over 40 national and regional carriers in their arsenal, they create a competitive environment where insurers fight for your business.
Kelly Bishop uses this leverage to negotiate better rates, better terms, and more relevant coverage. It’s not just about being the cheapest—it’s about being the right fit. That’s how real savings happen. And it’s how Montana Legacy delivers results others can’t.
Matching Clients With the Right Fit—Not Just the Cheapest
Some agencies just plug your business into a spreadsheet and pick the lowest price. That’s not how Kelly operates. She reviews underwriting criteria, evaluates coverage gaps, and looks for carriers with a proven track record in your industry.
For outfitters, that might mean a carrier that understands land use permits. For ranchers, it could be one that specializes in livestock. For contractors, it’s one that includes tool replacement and workers’ comp. It’s all about alignment—and Montana Legacy excels at it.
The Kelly Bishop Advantage
Reputation Built on Results
Kelly Bishop isn’t just another insurance agent—she’s a results-driven professional with a track record of transforming how clients think about coverage. Her name has become synonymous with speed, accuracy, and a personal touch that’s rare in the insurance world. But what really sets her apart is her ability to deliver measurable outcomes—like the $12,000 savings she secured for the outfitter guide.
Word travels fast in small communities, and Kelly’s reputation has spread not because of ads or promotions, but through real stories of people she’s helped. Whether it’s protecting a multi-generational ranch, fine-tuning liability for a specialty contractor, or fixing the broken policy of a seasonal outfitter, her results speak louder than any marketing campaign ever could.
She doesn't just sell policies—she builds partnerships. And for clients who rely on trust and timing, that makes her an invaluable asset.
Real People, Real Relationships
What makes working with Kelly different is the human connection. She takes time to learn each client’s business like it’s her own. She answers questions late at night, checks in during wildfire seasons, and goes the extra mile to ensure her clients are never caught off guard.
For the outfitter, this relationship proved crucial. Instead of being treated like a number or a risk factor, they felt seen, heard, and protected. That level of care builds loyalty—and trust. And when your livelihood depends on quick decisions and tough terrain, knowing someone like Kelly has your back makes all the difference.
Lessons Learned for Other Outfitters and Guides
Don't Assume You're Getting the Best Rate
If there’s one major takeaway from this story, it’s this: don’t settle. Just because your current agent says you’re getting a good rate doesn’t mean it’s true. The outfitter had been overpaying for years—simply because they didn’t know better options existed. Montana Legacy proved otherwise.
Shopping your policy annually and getting a second opinion from someone like Kelly can uncover hidden opportunities. Even if you don’t switch, understanding what’s out there keeps your coverage competitive and your business protected.
Why Annual Reviews Are Crucial
Businesses evolve. So should your insurance. New guides, new equipment, new services—all of these can impact your risk profile. Montana Legacy’s approach includes annual reviews to ensure your policy reflects your current needs, not outdated ones.
Kelly encourages her clients to treat insurance reviews like checkups. Just 30 minutes once a year can lead to major savings, improved coverage, and a clearer understanding of your risks. And for outfitters whose operations change seasonally or expand with tourism trends, this can make or break a season.
Getting Started with Montana Legacy Insurance
The Quick, Simple, and Transparent Process
Ready to explore your own savings and coverage upgrades? Montana Legacy makes it easy. Kelly’s process is refreshingly transparent:
Initial Consultation: A quick call or meeting to understand your business, your current policy, and your goals.
Policy Review: She’ll analyze your existing coverage, identify gaps or overpriced items, and prepare alternatives.
Carrier Comparison: Quotes are pulled from the best-fitting options among 40+ carriers.
Customized Proposal: You’ll get a side-by-side breakdown, with clear recommendations and zero pressure.
Most clients are stunned by how fast and simple it is. And the potential upside—like $12,000 in savings—is more than worth the call.
What You’ll Need to Get a Quote
To get started, have the following ready:
Your current policy documents (declarations page)
Details about your services, equipment, and operating season
Any known risks, claims history, or land lease agreements
That’s it. From there, Kelly and her team do the heavy lifting—so you can focus on doing what you do best.
Conclusion
The story of one Montana outfitter who saved $12,000 in insurance costs with Montana Legacy Insurance is more than just a financial win—it’s a powerful reminder of what experience, personal service, and industry knowledge can really achieve. Kelly Bishop didn’t just offer a cheaper policy; she offered peace of mind, customized protection, and a long-term partnership built on trust.
If you’re an outfitter, guide, or anyone in a high-risk, hands-on industry, don’t let your insurance be the weak link in your business. Let Montana Legacy and Kelly Bishop show you how real coverage—and real savings—are done.
FAQs
What types of coverage do outfitters and guides need?
Essential coverages include general liability, inland marine for gear, professional liability, commercial auto (if transporting guests), and business interruption. Each business may also require additional niche protections based on activity and location.
Can Montana Legacy insure seasonal or part-time businesses?
Yes. Montana Legacy excels in customizing policies for seasonal businesses, ensuring you only pay for what you actually need during operational months.
What makes Kelly Bishop’s service different?
Kelly brings deep industry knowledge, fast service, and a personalized touch that turns complex policies into clear, manageable solutions. She doesn’t just sell—she supports.
Do I have to switch everything at once?
Not at all. Kelly often starts with the most urgent or overpriced policies, then gradually reviews others to maximize benefit and minimize disruption.
How often should I review my policy?
At least once a year—or anytime your business experiences a significant change. Montana Legacy offers annual reviews to keep your protection up-to-date.
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