Application Form

COMPARISON WITH OTHER PROGRAMS:

• MECHANICAL BREAKDOWN — Our program does not exclude mechanical breakdown. Having insurance coverage for an engine failure could be critical to your success. Many policies SPECIFICALLY EXCLUDE any claim resulting from mechanical breakdown - no engine coverage. Overheating, electrical failure and fuel problems may be excluded.
• PROTECTION & INDEMNITY LIABILITY - Our policy provides P&I which is the broadest form of marine liability insurance. Our policy is written on an occurrence basis with no aggregate limit. We offer up to $2,000,000 limits in our program. Many policies offer maximum liability limits of $300.000. This is simply not enough coverage in today’s world. Many resorts and government agencies require guides to carry $1,000,000 limits or higher.
• DOCKSIDE LIABILITY — This is Included in our policy and provides liability while your passengers are on a dock, float or pier. Most polices DO NOT OFFER THIS and exclude liability coverage for passenger injuries before they get on your boat or once they step off your boat.
• PROFESSIONAL ANGLER LIABILITY This is an optional coverage for liabilities you may become liable for through your activities as a Professional Angler whether directly or indirectly associated with the insured vessel. Conducting fishing seminars, exhibiting at sport shows, distributor shows or dealer open house appear ances are just some examples. Most polices DO NOT OFFER THIS.
• FISHING EQUIPMENT — We extend coverage for your fishing equipment when it is in your boat, while stored ashore, or locked in your vehicle. Other Fishing Guide programs offer coverage while the equipment is ABOARD THE BOAT ONLY. Note - Home owners polices may not cover your fishing equipment as it is considered commercial property.
• NOT JUST FISHING — Our program allows other activities such as scenic tours, eco tours, shelling, bird watching, diving, snorkeling, swimming, etc, not just fishing (diving, snorkeling or swimming requires additional endorsement and premium)
• SHORESIDE LIABILITY — This is an optional coverage available and provides liability when you guide passengers on a beach for shelling, nature tours, or even wade fishing. Most polices DO NOT OFFER THIS.
• CHARTER LEGAL LIABILITY — This is an optional coverage available which provides a liability umbrella over another guide’s policy who you may be booking charters for. Most polices DO NOT OFFER THIS.

SERIOUS INSURANCE FOR SERIOUS ANGLERS

Equipping yourself with the best insurance protection gives you peace of mind to do WHAT YOU DO BEST – CATCH FISH!