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.
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 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.
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.
| 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 |
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 Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $60 | $720 | Best overall; Fastest general liability insurance for fishing guides |
| CoverWallet | $75 | $900 | Fishing businesses looking for customizable and multiple coverage options |
| Thimble | $79 | $948 | On-demand coverage for fishing guides |
| Hiscox | $80 | $960 | Small businesses looking for fishing guide insurance with automatic renewal |
| GEICO | $80 | $960 | Commercial auto insurance for fishing guides |
| Tivly | $90 | $1,080 | Fishing business owners that are bust and need to acquire insurance coverage quickly |
| The Hartford | $100 | $1,200 | Fishing businesses looking for an insurance company that offers specialized coverage options |
Get all the best quotes from leading providers in a click of a button!
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:
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
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
Easy-to-use digital platform
Customizable policies
Competitive prices
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
Unique benefits for registered AARP members
Has local agents who can quickly assist customers
A wide array of insurance products
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
Compare quotes over the phone
Collaborated with more than 200 insurance providers
Connects businesses to a policy that meets their needs
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
Has a scalable model
Instant insurance quoted
Flexible insurance policies
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
You can obtain quotes online
Offers up to 5% discount when you buy several products
Their professional liability covers are global
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
Outstanding customer service
Customizable policies
A wide array of coverage options
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
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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