Real Fishing Guides Need Real Insurance Coverage

You know that guiding is so much more than boating. If your vessel is your office and your tackle is your tackle box, you need the peace of mind of all-risk coverage so you can guide confidently.
Your clients’ safety is in your hands – for that, generic boat insurance just won’t cut it. You need fishing guide insurance that protects what matters most: your passengers, you, and your boat.

What Our Fishing Guides Can Count On:

  • Agreed Value Settlements

    Full insured value in a total loss — no surprise depreciations.

  • Professional Angler Liability*

    Coverage for seminars, sport shows, and public events.

  • Protection & Indemnity (P&I)

    Broad liability coverage for property damage and bodily injury.

  • Tournament Fee Reimbursement*

    Recover entry fees if a covered claim keeps you from competing.

  • Pollution Liability

    Protection for accidental fuel spills or discharges.

  • Medical Payments

    Quick protection for guest or crew injuries.

  • Dockside Liability*

    Guests are covered before they board and after they disembark.

  • Personal Property and Fishing Gear

    Safeguards your expensive gear even when stored ashore or in a vehicle.

  • Replacement Vessel Liability

    Seamless coverage when operating a backup boat, while your vessel is out of commission for a covered loss

  • START YOUR QUOTE TODAY

    Don't settle for less than you deserve! Your fast, easy, & secure quote starts here.

*coverage may not be available in all programs

Words Straight From the Helm

"Thank you very much for all your help. I will definitely refer your company for these types of services! It has been a very pleasant experience! Thank you again.”

Aubrey Haskins

Extras & Add-Ons for Fishing Guides’ Real-World Risks on the Water

When you’re guiding, no two days are the same — as the weather, client expectations, and gear needs shift, so does your risk. Our fishing guide insurance is designed specifically for the way you work, with protection tailored to your on-the-water realities.

  • High-Limit / Excess P&I

    Meet resort, marina, and agency contracts without stress.

  • Charter Legal Liability

    Coverage when subcontracting trips or using non-owned vessels.

  • Captain & Crew Liability

    Structured around your staffing model.

  • Wade Fishing Liability

    Coverage for clients fishing off the boat.

Who you Insure Through Matters

Your Operation, Our Fishing Guide Coverage – Designed to Cover Your Risks

We’re not here to change the way you guide. We’re here to insure it – so you can ensure you’re doing things your way. Our coverage works for guides who…

  • Run guided sportfishing trips
  • Lead inshore & offshore excursions
  • Offer wade fishing or shore-based experiences
  • Operate multi-boat or fleet guide services
START CUSTOM QUOTE
Whatever your setup, we’ve got your coverage.

Coverage Built by Marine Insurance Specialists

With over 125 combined years of marine insurance experience, we don’t dabble in boats — we specialize in them. That focus means faster quotes, smarter coverage design, and claims support that actually understands your work.

Fishing Guide Insurance - Frequently Asked Questions

Core Coverage Questions

Typically we can bind coverage the same day as you receive your quote but this may depend on the age of your boat and if there are any underwriting subjectivities to bind.

We extend coverage for your fishing equipment(tackle, rods, reels, etc.) 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.

It provides additional coverage for participating in Professional Angler Activities such as fishing tournaments or charity fishing events, conducting fishing seminars or workshops, and working sport shows.

Our program allows other activities such as scenic tours, eco tours, shelling, bird watching, snorkeling, swimming, etc, not just fishing (snorkeling or swimming requires additional endorsement and premium, subject to risk approval)

Yes.

Yes.

Pricing & Discounts

We offer multi-boat and fleet discounts. We may provide discounts for boater safety education course certifications, prior vessel ownership and operating experience, and clean driving records. Your Charter Lakes agent will provide all credits available within the product guidelines.