Fishing Guide Insurance: Cost & Quotes

Advertiser disclosure

Your trust matters to us. Always.

We believe everyone deserves access to clear, honest, and unbiased information when it comes to insurance decisions. While we don’t include every provider or product available, we work hard to offer guidance that’s well-researched, accurate, and helpful completely free of charge.

So how do we keep the lights on? We may earn compensation from some of the companies we feature or link to. This can influence which products appear and where they’re placed on our site. However, it doesn’t affect our editorial standards. Our reviews and recommendations are based on thorough research, real-world insights, and a commitment to helping you make informed choices. No partner can pay to receive a favorable review.

Updated: March 27, 2025 . 8 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

As a fishing guide, you are responsible for the well-being and safety of all your clients. Nevertheless, accidents are inevitable and may happen at one point.

 It’s possible for you to commit a mistake while driving a boat thereby causing injuries or property damage. You can be subjected to costly lawsuits and claims. Therefore,to safeguard your business, ensure you have fishing guide insurance.

General Liability Insurance for Fishing Guides

Accidents can happen anytime. For instance, when taking a customer on a fishing trip, they can slip and fall and sustain injuries. General liability insurance for fishing guides is essential. This policy will cover:

  • Property damage
  • Bodily injury
  • Medical costs
  • Legal defense costs
  • Judgment costs
  • Advertising injury
  • Personal injury

General liability insurance for fishing guides has a $500,000-$1,000,000 per occurrence limit and a $1 million-$2 million aggregate limit. 

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0

Professional Liability Insurance for Fishing Guides 

Professional liability insurance covers any claims for negligence, errors, or omissions. This insurance will protect you if a customer claims your advice or service caused them harm. Some of the scenario it can help include:

  • You give your client incorrect advice. For instance, you can recommend the wrong fishing gear resulting in an accident

The coverage limit can range from $500,000-$1,000,000 per occurrence. For the aggregate coverage, most insurers offer up to $2,000,000. The limit will depend on the size of your business and specific risk exposure.

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500

Public Liability Insurance for Fishing Guides

Public liability insurance for fishing guides protects your business against claims of property damage or bodily  injury from third parties. The policy will cover the following circumstances:

  • Slip and fall accidents involving clients within your business premises 
  • Death to clients or any other third party
  • Property damage of third parties

Every insurance company offers a specific coverage limit. Most insurers offer a coverage limit of $1,000,000-$10,000,000.

Business Owner’s Policy for Fishing Guides

Business Owner’s Policy (BOP) for fishing guides combines commercial property and general liability insurance. This insurance will cover the following:

  • Property damage
  • Business interruption
  • Bodily injury
  • Libel and slander
  • Business property damage
  • Tools and equipment damage

The BOP combines general liability and commercial property insurance. Thus it will also include two coverage limits. 

For commercial property insurance, the coverage limit can be $250,000-$1,000,000. The limits for general liability coverage, on the other hand, is $1 million-$2 million per occurrence and $2 million aggregate. 

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $35,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes

Tools and Equipment Insurance for Fishing Guides 

Tools and equipment insurance covers your movable items, such as fishing gear. It covers perils such as theft, vandalism, or damage. This type of hunting and fishing guide insurance can help protect your business assets and ensure that you can continue to operate even if your tools are damaged or lost.

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0

Fishing Guide Boat Insurance

Fishing Guide Boat Insurance is ideal for fishing guides who use boats. If the boat is damaged or passengers are injured, this will cover all damages and medical costs. It provides coverage for:

  • Hull damage
  • Boating accidents
  • Personal effects such as cell phones or cameras
  • Medical payments

The liability coverage of fishing guide boat insurance has a $1 million-$2 million per occurrence and aggregate limit. Hull coverage, on the other hand, provides a payout equal to the actual cash value of your boat when it got damaged. 

Compare Cheap Fishing Guide Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Workers Compensation Insurance for Fishing Guides

Accidents can happen during fishing adventures, and your employees get injured or ill. As an employer, you need to settle your employees’ medical bills if they are sick while working. Workers compensation insurance for fishing guides will cover the following:

  •  Lost income
  • Medical expenses
  • Rehabilitation expenses
  • Disability benefits
  • Death benefits

Coverage limits can range from around $100,000 to over $1 million for medical benefits, disability benefits, and death benefits.

Fishing Guide Insurance Cost

The average fishing guide insurance cost is $82 per month or $984 per year for a $1 million general liability policy. 

Factors that affect the cost of premiums are;

  • Claims history
  • Deductibles
  • Policy limits
  • Revenue
  • Location
Cost per Month Cost per Year Deductible
General liability insurance $82 $984 $0-$500
Professional liability insurance $90 $1,080 $500-$1,000
Commercial property insurance $85 $1,020 $1,000-$2,000
Business owner’s policy $167 $2,004 $500-$1,000
Tools and equipment insurance $83 $996 $500-$1,000
Workers compensation insurance $120 $1,440 $2,500-$5,000
Travel insurance $90 $1,080 $1,000-$2,000
Commercial auto insurance $110 $1,320 $500-$1,000
Boat insurance $130 $1,560 $500-$1,000

Best Fishing Guide Insurance Companies

NEXT

NEXT is another insurance provider that sells various insurance products virtually. You can choose to select either individual or package policies. 

They also avail their certificates on the digital platform. This is the best company for fishing businesses that need fast coverage.

Average cost: $60 per month 

Our rating: 10/10

Pros

  • Best overall
  • Issues an online proof of insurance instantly
  • Fastest general liability insurance for fishing guides 
  • Great customer service and reputation
  • Excellent rates
  • Outstanding value for money
  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

Rank and Review Insurance Companies

Help others make better decisions

Show more

CoverWallet

CoverWallet is an insurance provider that operates online. They have created a straightforward website where small business owners can easily buy insurance policies. 

This company has invested in technology that enables it to price policies correctly and ensures they are affordable compared to its competitors.

Average cost: $75 per month 

Our rating: 10/10

Pros

  • Easy-to-use digital platform
  • Customizable policies
  • Competitive prices

Cons

  • Not an insurance company but an insurance broker 

The Hartford

The Hartford is a reputable insurance company that offers multiple coverage options. The company is known for offering auto insurance coverage options for drivers. But it also provides customized coverage options for fishing businesses.

Average cost: $100 per month 

Our rating: 10/10

Pros

  • Unique benefits for registered AARP members
  • Has local agents who can quickly assist customers
  • A wide array of insurance products

Cons

  • Not ideal for non-AARP members

Tivly®

Tivly® matches business owners with an insurance policy that meets their needs. Whether you are looking for professional liability insurance, workers’ compensation insurance, or general liability insurance, they can help you. 

Average cost: $90 per month 

Our rating: 9/10

Pros

  • Compare quotes over the phone
  • Collaborated with more than 200 insurance providers
  • Connects businesses to a policy that meets their needs

Cons

  • No online quotes 

Thimble

Thimble offers several coverage options and claims for businesses. They mainly target fast-moving businesses. 

Their insurance policies range from general liability coverage to business equipment insurance and professional liability. They have a scalable model giving you flexibility.

Average cost: $79 per month 

Our rating: 9/10

Pros

  • Has a scalable model
  • Instant insurance quoted
  • Flexible insurance policies

Cons

  • Don’t sell businesses commercial auto insurance

Hiscox

Hiscox has been a renowned insurance provider in the market for many years. This company has more than 500,000 small business clients.

 It offers a wide range of insurance products, including fishing guide insurance. You can easily purchase an insurance policy from the company’s website.

Average cost: $80 per month

Our rating: 9/10

Pros

  • You can obtain quotes online
  • Offers up to 5% discount when you buy several products
  • Their professional liability covers are global

Cons

  • Only advantageous for small businesses

Geico Fishing Guide Insurance

GEICO is known for having friendly initiatives and being an innovative company. It offers several insurance products, such as auto, business, and home insurance. 

GEICO fishing guide insurance comes with competitive prices. You can get general liability coverage, equipment insurance, and professional liability.

Average cost: $80 per month 

Our rating: 9/10

Pros

  • Outstanding customer service
  • Customizable policies
  •  A wide array of coverage options

Cons

  • Limited local agents

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

Recent Reviews

Recent Posts


Additional Business Insurance posts

Become a voice

Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!