I guess I never mentioned what action we took.
12 of us there, including 2 guides, one of which had a shotgun. The sow was known to be tolerant of humans and she walked past us almost in the water. Her cubs were nervous. The front one refused to go by us and decided to climb the bluff and go around above us. The second cub was too intimidated and stayed out front on the beach, in our way. It was bawling nervously which amped up the sow. We decided to take to the water and slowly wade past the cub, as deep as our hip waders allowed and continue on our way.
All in all, it worked well, but we had to play by the bears rules. It wouldn't have been possible in places that the bears didn't have frequent human interaction. This is at McNeil River, a bear viewing sanctuary.