Get Fishing Guide Insurance and Protect Your Outfitter Service Business


If you own an outfitter service business and work as a fishing guide, you are probably well aware of the risks associated with the job that you do. Taking people out on boats and teaching them how to fish can be dangerous at times. The fact that you are out on the water presents risks to yourself as well as the people you are guiding.

Making your living outdoors always poses its own risks. This is why it is extremely important to have fishing guide insurance in the event that something does happen.

As a business owner, you never want to think that anything bad might happen. But accidents do occur, and it’s always best to be prepared for them when they do. If you’re not prepared for accidents or emergencies, you risk losing your business, face legal issues, and possibly losing your source of income

What Is a Fishing Guide?

A fishing guide is someone who accompanies and teaches both individuals and groups how and where to fish. A fishing guide will accompany people to some of the best fishing spots and teach them the art that is fishing.

Professional fishing guides are people who have a strong passion for fishing and share this passion with others. These types of people usually own a business that allows them to share this passion. Because fishing guides are always on or near the water with clients, they face different insurance risks that are unique to their industry.

Fishing guides teach passengers how to fish, how to hook bait, and how to find the best fishing spots. They are constantly near or on the water along with their customers. Although a fishing guide is a professional and always adheres to safety precautions and standards, there are many things that can go wrong that a business owner needs to be prepared for. 

A lawsuit without the proper insurance can cripple a fishing guide’s business. If you have an outfitter service business and work as a fishing guide, it is imperative that you purchase fishing guide insurance so that both you and your business are protected.

To become a fishing guide, a business is responsible for having the proper insurance in the event that an employee or customer is injured, hurt, or killed while out fishing. Insurance is also required for any property damage.

So, if you have an outfitter service business and need fishing guide insurance, what are your options?

Types of Fishing Guide Insurance

Fishing guide insurance requires specific coverage which most individual or commercial insurance plans do not offer. This is why anyone who is looking for fishing guide insurance needs to find an insurance company that has outdoor insurance specialists who know what an outfitter service business needs. The insurance specialist also needs to know what they can do to make an insurance policy affordable. These insurance specialists understand the risks associated with an outfitter service business and will do what they can to ensure a company’s insurance covers all the risks involved.

Many insurance companies offer full-time fishing insurance as well as part-time fishing insurance for occasional guides, which means there are many options for anglers who only offer fishing guidance part-time. Some insurance companies also offer commercial packages which cover guest lodging and inland marine coverage, which covers property and equipment.


This type of coverage includes:

  • Business personal property
  • Property in transit
  • Personal belongings of others
  • Employee coverage
  • Emergency vacation expense
  • Spoilage
  • And more

Fishing guides require general liability insurance, but most insurance companies offer special types of insurance called fishing guide insurance or outfitters insurance. These insurance policies generally cover:

  • Liquor liability
  • Workers compensation for employees
  • Hull coverage
  • Watercraft liability
  • General liability
  • Property
  • And more

There are also many other types of optional coverage that insurance providers offer for fishing guides, including:

  • Tournament or competition coverage
  • Mechanical breakdown coverage
  • Paid crew coverage
  • Million liability coverage
  • Full replacement cost coverage
  • And more

When searching for the right insurance company for your fishing guide insurance, try to find a company with experience in outfitter insurance and fishing guide insurance. In addition, you should be searching for a provider that has ample experience in general and product liability insurance, home insurance, and outdoor activities insurance. This will help ensure that you are getting a legitimate, trusted insurance provider to help protect your company.

If you own an outfitter service business and work as a fishing guide, it is extremely important to protect yourself and your company from any liabilities. Insurance companies that specialize in fishing guide insurance can tailor insurance coverage that is specific to your needs.

An insurance company that specializes in marine insurance can also help you find the right insurance that fits your business.

Protect Your Outfitter Service Business: Find the Right Fishing Guide Insurance Today

As a fishing guide, you never know what to expect from your job. You may experience bad weather, unexpected damage, injury to customers or employees, or accidents which you just can’t control. This is why having the right insurance policy is absolutely crucial in protecting your business. The right insurance policy can protect you with boat insurance, inland marine insurance, property insurance, general liability insurance, and more. These types of policies also come with specialized coverage including:

  • Watercraft liability
  • Crime coverage
  • Pollution Liability
  • Personal property protection
  • Medical payments
  • Commercial auto insurance

Protect your business, your employees, and your customers with the right fishing guide insurance for your company. Prepare yourself and your business for even the most unexpected of situations.

Working outdoors can pose all sorts of risks to you and your clients. As a fishing guide, it is your priority to not only do your job right and keep your business intact but to also provide a service to customers who are putting their trust in you. This is why you have to ensure that if something ever goes wrong, they are protected. Seek out an insurance provider today that can help protect you and your business in any type of accident.