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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.
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:
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 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:
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 protects your business against claims of property damage or bodily injury from third parties. The policy will cover the following circumstances:
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 (BOP) for fishing guides combines commercial property and general liability insurance. This insurance will cover the following:
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 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 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:
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.
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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:
Coverage limits can range from around $100,000 to over $1 million for medical benefits, disability benefits, and death benefits.
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;
| 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 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
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
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
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
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
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
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
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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