Business Insurance

OIA partners with…

OIA has teamed up with Outdoor Sports Insurance (OSI), a Horizon Agency Program, to offer OIA members insurance coverage that addresses the unique liability needs of manufacturers and retailers in the outdoor industry. OSI is ready to handle industry-specific insurance needs from allowing manufacturers to move from claims-made to occurrence policies at premium pricing on par with lesser claims-made coverage to issuing retailers special event and demo coverage that’s built into their base policies without the need for riders.

Horizon Agency, Inc. is a leading provider of commercial insurance since 1974 and in the top 10% of insurers nationwide by premium volume – and they’re continuously growing. Well respected in the outdoor industry, OSI insures over 2,700 outdoor retailers and manufacturers nationwide.

By leveraging the collective buying power and safety record of OIA members, Horizon is able to work with the world’s leading insurance carriers to offer enhanced pricing, service and coverage – ensuring that you receive the maximum amount of value on your investment and that your business is fully protected against unforeseen loss or business interruption.

In the event of a loss, Horizon has adjustors assigned to OSI that understand the outdoor industry. Every claim is personally reviewed and only those that businesses are legitimately responsible for are paid. If a claim involves litigation, Horizon has one of the top defense attorneys in the industry on retainer. The firm’s expertise helps control costs for businesses and the OSI program – protecting the entire industry.

To provide you with…

The OSI team has the experience and knowledge to understand the outdoor industry’s business needs including:

  • Retail sales
  • Rental demo and repair liability
  • Guiding and instruction
  • Product liability
  • Complete business package policies

Retailers enjoy a wealth of risk management tools available on OSI website, to help keep claims to a minimum, including:

  • Online training videos
  • Annual webinars
  • Access of sample release forms

Manufacturers enjoy access to standard market carriers with low minimum premiums.

For a quote…

For more information or to receive a complimentary risk-assessment/rate quote, call Rob Martin at Horizon Agency, (952) 914-7165, or drop by their booth at Outdoor Retailer.

Learn more about Horizon.

What are OIA members saying about Horizon?

“We are very happy with the quality of service that Horizon agency has provided for our store. With the crash packs, and other Sporting Goods specific support, we are very confident with our insurance and in this industry, that is one thing that you want to make sure to have comfort with.”Renee Ward, Joe’s Sporting Goods
St. Paul, MN


“We had been using a local carrier for 26 years and were totally happy with all levels of service, etc. I requested a quote from Horizon and was amazed at the savings. Even more impressive and really more important is the level of service, the response time, and the knowledge. I would recommend anyone just check into it before making a decision. I wish I had checked years earlier.”

Ed McAlister, River Sports Outfitters
Knoxville, TN


“We are thoroughly impressed with the service we have gotten from Horizon Agency. They have put together a comprehensive solution for us that resulted in considerable savings over our previous arrangement. Horizon is the only agency in our 30 years in business that was able to combine liability on our outfitting operation with the property insurance that we need on our retail establishment. Their people have been prompt in their responses to my questions and accommodating when we needed to make changes. I recommend Horizon enthusiastically.”

Steve Piragis, Piragis Northwoods Company
Ely, MN