Insuranks

Fishing Guide Insurance: Cost & Quotes From $38/mo

Table of contents
1. General Liability Insurance for Fishing Guides1.1. Coverage Limits of General Liability Insurance for Fishing Guide1.2. Can General Liability Insurance Cover Damage to Fishing Equipment?1.3. What If a Client Gets Injured Due to Their Negligence?2. Professional Liability Insurance for Fishing Guides 2.1. Coverage Limits of Professional Liability Insurance for Fishing Guides 2.2. Will Professional Liability Insurance Cover Me for Intentional Wrongdoing?3. Public Liability Insurance for Fishing Guides3.1. Coverage Limits of Public Liability Insurance for Fishing Guides3.2. Is Public Liability Insurance Compulsory for Fishing Guides?3.3. Are There Any Exclusions to Public Liability Insurance for Fishing Guides?4. Commercial Property Insurance for Fishing Guides4.1. Coverage Limits of Commercial Property Insurance for Fishing Guides4.2. Add-Ons to Commercial Property Insurance for Fishing Guides4.3. What is the Best Way to Make a Claim on Your Commercial Property Insurance?4.4. Is Commercial Property Insurance Compulsory for Fishing Guides?5. Business Owner’s Policy for Fishing Guides5.1. Coverage Limits of Business Owner’s Policy for Fishing Guides5.2. Can I Customize My BOP coverage?6. Tools and Equipment Insurance for Fishing Guides 6.1. Coverage Limits of Tools and Equipment Insurance for Fishing Guides 6.2. What Are the Standard Tools and Equipment Covered in This Insurance?6.3. Can I Purchase Tools and Equipment Insurance as an Add-on to Another Policy?7. Commercial Auto Insurance for Fishing Guides7.1. Coverage Limits of Commercial Auto Insurance for Fishing Guides7.2. Add-Ons to Commercial Auto Insurance for Fishing Guides7.3. Can I Add Drivers to My Commercial Auto Insurance Policy?8. Fishing Guide Boat Insurance8.1. Coverage Limits of Fishing Guide Boat Insurance8.2. Add-Ons to Fishing Guide Boat Insurance8.3. Can I Cancel My Fishing Guide Boat Insurance Policy at Any Time?9. Travel Insurance for Fishing Guides9.1. Coverage Limits of Travel Insurance for Fishing Guides9.2. Can I Purchase Travel Insurance After Booking My Fishing Trip?10. Workers Compensation Insurance for Fishing Guides10.1. Coverage Limits of Workers Compensation Insurance for Fishing Guides10.2. Is Workers’ Compensation Insurance Required for Fishing Guide Businesses?10.3. What Needs to Be Done If My Employee Is Injured on My Job?11. Fishing Guide Insurance Cost12. Best Fishing Guide Insurance Companies12.1. NEXT Fishing Guide Insurance 12.1.1. Pros12.1.2. Cons12.2. CoverWallet Fishing Guide Insurance 12.2.1. Pros12.2.2. Cons12.3. The Hartford Fishing Guide Insurance 12.3.1. Pros12.3.2. Cons12.4. Tivly Fishing Guide Insurance 12.4.1. Pros12.4.2. Cons12.5. Thimble Fishing Guide Insurance 12.5.1. Pros12.5.2. Cons12.6. Hiscox Fishing Guide Insurance 12.6.1. Pros12.6.2. Cons12.7. Geico Fishing Guide Insurance 12.7.1. Pros12.7.2. Cons

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.

General Liability Insurance for Fishing Guides


CoverWallet NEXT (Best)ThimbleHiscoxThe 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?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
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.


Coverage Limits of General Liability Insurance for Fishing Guide

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


Can General Liability Insurance Cover Damage to Fishing Equipment?

No, basic general liability insurance cannot cover your fishing equipment. To insure your equipment, consider adding tools and equipment insurance to it.


What If a Client Gets Injured Due to Their Negligence?

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.


Professional Liability Insurance for Fishing Guides 


CoverWallet NEXTThimble (Best)HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan 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


Coverage Limits of Professional Liability Insurance for Fishing Guides 

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.


Will Professional Liability Insurance Cover Me for Intentional Wrongdoing?

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

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


Coverage Limits of Public Liability Insurance for Fishing Guides

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


Is Public Liability Insurance Compulsory for Fishing Guides?

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.


Are There Any Exclusions to Public Liability Insurance for Fishing Guides?

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.

Compare Cheap Fishing Guide Insurance Quotes Online

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

Commercial Property Insurance for Fishing Guides


CoverWalletNEXT (Best)ThimbleHiscoxThe 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 signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivableExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keysExcluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


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.


Coverage Limits of Commercial Property Insurance for Fishing Guides

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.


Add-Ons to Commercial Property Insurance for Fishing Guides

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


What is the Best Way to Make a Claim on Your Commercial Property Insurance?

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.


Is Commercial Property Insurance Compulsory for Fishing Guides?

No, this type of insurance is not compulsory. But for financial protection, ensure you have a valid policy covered with a reputable insurer.


Business Owner’s Policy for Fishing Guides


CoverWalletThimble (Best)NEXTHiscoxThe 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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


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


Coverage Limits of Business Owner’s Policy for Fishing Guides

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.


Can I Customize My BOP coverage?

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.


Tools and Equipment Insurance for Fishing Guides


NEXTThimbleHiscoxThe 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/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
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.


Coverage Limits of Tools and Equipment Insurance for Fishing Guides

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.


What Are the Standard Tools and Equipment Covered in This Insurance?

Tools and equipment insurance can cover various equipment, including hand tools, power tools, machinery, computers, and other electronic equipment.


Can I Purchase Tools and Equipment Insurance as an Add-on to Another Policy?

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

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


Coverage Limits of Commercial Auto Insurance for Fishing Guides

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.


Add-Ons to Commercial Auto Insurance for Fishing Guides

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


Can I Add Drivers to My Commercial Auto Insurance Policy?

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

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


Coverage Limits of Fishing Guide Boat Insurance

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 to Fishing Guide Boat Insurance

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


Can I Cancel My Fishing Guide Boat Insurance Policy at Any Time?

You can cancel your policy anytime. But there may be fees or penalties. Check with your provider before discontinuing service.


Travel Insurance for Fishing Guides

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.


Coverage Limits of Travel Insurance for Fishing Guides

The coverage limit for travel insurance can be from $100,000-$500,000. But some insurance companies will offer higher amounts.


Can I Purchase Travel Insurance After Booking My Fishing Trip?

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.


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 of Workers Compensation Insurance for Fishing Guides

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.


Is Workers’ Compensation Insurance Required for Fishing Guide Businesses?

Yes, workers' compensation insurance is typically required by law for businesses with employees, including fishing guide services.


What Needs to Be Done If My Employee Is Injured on My Job?

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.


Rank and Review Insurance Companies

Help others make better decisions

Show more

Fishing Guide Insurance Cost


Cost per MonthCost per YearDeductible
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


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, and location. Here’s a table showing the rates of companies we recommend:


Cost per MonthCost per YearBest for
NEXT$60$720Best overall; Fastest general liability insurance for fishing guides
CoverWallet$75$900Fishing businesses looking for customizable and multiple coverage options
Thimble$79$948On-demand coverage for fishing guides
Hiscox$80$960Small businesses looking for fishing guide insurance with automatic renewal
GEICO$80$960Commercial auto insurance for fishing guides
Tivly$90$1,080Fishing business owners that are bust and need to acquire insurance coverage quickly
The Hartford$100$1,200Fishing businesses looking for an insurance company that offers specialized coverage options

Compare Cheap Fishing Guide Insurance Quotes Online

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

Best Fishing Guide Insurance Companies

When choosing an insurance company, check their credibility and insurance rates. We have reviewed some of the most reputable insurance companies in the market, and they include:


NEXT Fishing Guide Insurance

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

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.

Best for: Best overall; Fastest general liability insurance for fishing guides 

Average cost: $60 per month 

Our rating: 10/10


CoverWallet Fishing Guide Insurance

Pros

  • Easy-to-use digital platform

  • Customizable policies

  • Competitive prices

Cons

  • Not an insurance company but an insurance broker 

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.

Best for: Fishing businesses looking for customizable and multiple coverage options

Average cost: $75 per month 

Our rating: 10/10


The Hartford Fishing Guide Insurance

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

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.

Best for: Fishing businesses looking for an insurance company that offers specialized coverage options

Average cost: $100 per month 

Our rating: 10/10


Tivly Fishing Guide Insurance

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 

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. Call now to compare quotes over the phone. 

Best for: Fishing business owners that are bust and need to acquire insurance coverage quickly

Average cost: $90 per month 

Our rating: 9/10


Thimble Fishing Guide Insurance

Pros

  • Has a scalable model

  • Instant insurance quoted

  • Flexible insurance policies

Cons

  • Don't sell businesses commercial auto insurance

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.

Best for: On-demand coverage for fishing guides

Average cost: $79 per month 

Our rating: 9/10


Hiscox Fishing Guide Insurance

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

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.

Bes for: Small businesses looking for fishing guide insurance with automatic renewal

Average cost: $80 per month

Our rating: 9/10


Geico Fishing Guide Insurance

Pros

  • Outstanding customer service

  • Customizable policies

  •  A wide array of coverage options

Cons

  • Limited local agents

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.

Best for: Commercial auto insurance for fishing guides 

Average cost: $80 per month 

Our rating: 9/10


Recent Reviews

Recent Posts