Posts: 1936
Location: Eau Claire, WI | I use American Family. My policy will cover up to six tournaments a year that the entry fee is less than $350.
For those who are dedicated to tournament and guiding the best I ever found was through the NPAA. (National Professional Anglers Assoc. ) you can find a link on Walleye Central. They have a group package that covers the tournament guys and guides for about $700 a year.
If you fish tourney's or guide you need to check the exclusions on your policy.
Something else to think about is liability insurance for guiding. Boat insurance will cover a boating incident but will not cover you should you hook a client, they slip and fall in your boat, etc. I.e. You as a guide are neglegent in some way and cause personal injury to another person. We live in a very litegous society and you need to cover your a$$ or risk loosing it all. Ignorance is not an acceptable excuse in a court of law.
Too may people assume they are covered by things like homeowners policies and recreational boat policies and in some instances they are not covered. Tournaments and work-for-hire (guideing) is commercial commerce NOT recreational use, regardless how little or how much of it you do.
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