For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
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. Thus to safeguard your business, ensure you have fishing guide insurance.
| 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 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| 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 |
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
But, it is essential to note that this fishing guide liability insurance alone isn’t enough. You need specialized policies for more comprehensive coverage.
General liability insurance for fishing guides has a $500,000-$1,000,000 per occurrence limit and a $1 million-$2 million aggregate limit.Â
No, basic general liability insurance cannot cover your fishing equipment. To insure your equipment, consider adding tools and equipment insurance to it.
Even if a client's injury is due to their negligence, you may still be held liable. General liability insurance can help cover the legal fees associated with such incidents.
| 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 |
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 scenarios it can help include:
You give your client incorrect advice. For instance, you can recommend the wrong fishing gear resulting in an accident
A client can claim that you are negligent as a fishing guide—such as a failure to offer the proper safety equipment. The insurance will protect you from any legal action and offer compensation to the client
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.
No, professional liability insurance does not cover intentional wrongdoing or criminal acts. It only provides coverage for claims of negligence, errors, or omissions.
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 premisesÂ
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.
No, public liability insurance is not compulsory. But it would be best to have this insurance to protect yourself from potential legal costs and claims.
Exclusions to public liability insurance for fishing guides may vary depending on the policy and insurance provider. Some standard exclusions may include intentional acts, criminal acts, and damages or injuries caused by activities not covered by your policy.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $35,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $35,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property insurance for fishing guides is also known as business property insurance. This type of insurance will protect your premises in case of an accident. This policy covers inventory, buildings, equipment, furniture, fences, landscaping, or storage sheds. It will cover perils such as fire, vandalism, theft, earthquake, or other natural disasters.
The limits of commercial property insurance is equal to the value of business property you want to be covered. For example, if the overall value of your tangible assets is $50,000, then commercial property insurance will also offer $50,000 in coverage.
Most insurance providers will include add-ons to the primary commercial property insurance policy. The add-ons will give your business additional protection. They may include:
Flood insurance–Flood insurance protects your business from damage caused by floods. This add-on is a must for businesses in flood-prone places or near lakes, rivers, or the ocean. Flood insurance might cover harm to the building, equipment, inventory, and other property caused by flooding
Business interruption insurance–Business interruption insurance helps you make up for money lost when regular operations are interrupted
If there is a fire outbreak or storm and your inventory or buildings are damaged, you must make a claim as soon as possible. Contact your insurance provider immediately. Most providers will come to your premises to estimate the losses suffered. You can also provide photographs as evidence to support your claim.
No, this type of insurance is not compulsory. But for financial protection, ensure you have a valid policy covered with a reputable insurer.
| 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 |
Business Owner’s Policy (BOP) for fishing guides combines commercial property and general liability insurance. This is great for fishing guides that want a single policy that covers multiple risks. 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.
Most insurance providers offer some degree of customization for BOP coverage. You can include add-ons such as cyber liability insurance, customer property coverage, or HNOA coverage.
| 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 |
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.
Many policies will cover the cost of replacing the equipment at its current market value. It's important to carefully review your policy and ensure that the coverage limits are sufficient to cover the cost of replacing all the equipment you use in your business.
Tools and equipment insurance can cover various equipment, including hand tools, power tools, machinery, computers, and other electronic equipment.
You can choose either a standalone policy or purchase tools and equipment insurance with general liability insurance as an add-on
Commercial auto insurance for fishing guides will safeguard your business if you are involved in a car accident and cause damage to others or yourself. This type of fishing guide service insurance is customized for those who use their vehicles to transport customers to and from the fishing locations. Here are the common coverages included in commercial auto insurance for fishing guides:
Auto liability coverage–Helps you when cause an accident while driving your commercial vehicle. This coverage will pay for damages and injuries you are legally responsible for
Collision coverage–Collision coverage covers your vehicle when it is damaged in a collision. This coverage will pay for the cost of repairs or replacement
Comprehensive coverage–Comprehensive coverage will pay for repairs or replacement if your vehicle is damaged by an event other than a collision, such as theft or vandalism
Personal injury protection–This coverage pays for your medical expenses and lost wages if you or your passengers are injured in an accident, regardless of culpability
Hired and non-owned auto coverage–If you or an employee rents or borrows a vehicle, drives it, and causes an accident
Uninsured/underinsured motorist coverage–This covers your damages and injuries caused by uninsured or underinsured drivers
Most providers will offer a coverage limit of $100,000-$1,000,000 per occurrence. But the limits can be higher depending on your covered risks.
Most insurers will offer some optional coverages to offer additional protection. Some of the common ones include:
Roadside assistance coverage–This cover provides assistance if your vehicle breaks down. This can include services like tire changes, jump-starts, fuel delivery, and towing
Trailer coverage–The cover protects your trailer from damage caused by accidents, theft, vandalism, or other covered events. Also, the coverage can cover damage to the trailer itself, as well as liability coverage if the trailer causes damage to someone else's property or injures someone
Yes, additional drivers can be added to a commercial auto insurance policy for fishing guides, but it may affect the cost.
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.
Add-ons or endorsements can be added to a fishing guide boat insurance policy to provide additional protection. Some of the common add-ons include:
Towing and assistance–Towing and assistance add-on covers you for damage to your vessel, criminal or damage charges for the driver and boat wake, liability for a passenger in your boat, and tow fees
Pollution liability–The pollution liability add-on protects you from liability for any environmental damage caused by your vessels. Pollution, leaks, and accidents are all addressed
Fishing gear coverage–The fishing gear safety add-on protects the guide and client equipment on the boat–rods, netting, bait, and additional fishing equipment. Accidental damage or loss of equipment is covered
You can cancel your policy anytime. But there may be fees or penalties. Check with your provider before discontinuing service.
Accidents can happen when you are traveling to and from the fishing destination. The travel insurance for fishing guides will cover medical expenses, trip cancellations, or lost items.
The coverage limit for travel insurance can be from $100,000-$500,000. But some insurance companies will offer higher amounts.
Yes, you can purchase travel insurance after booking your fishing trip. Still, purchasing it as soon as possible is best to ensure coverage for any unexpected events.
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 for workers' compensation insurance for fishing guides vary by state and policy but can range from around $100,000 to over $1 million for medical benefits, disability benefits, and death benefits.
Yes, workers' compensation insurance is typically required by law for businesses with employees, including fishing guide services.
If an employee is injured on the job, it's essential to provide immediate medical attention. Later report the injury to the workers' compensation insurance provider.
