Fishing Guides: Commercial Auto Insurance For Peace Of Mind

Fishing guides should have commercial auto insurance to protect themselves, their clients, and their businesses. Commercial auto insurance for fishing guides covers accidents that may occur while driving a vehicle with clients inside. This includes accidents that happen on the way to and from fishing locations. Commercial auto insurance can help cover damages, injuries, and legal fees associated with such incidents. It is worth noting that general fishing guide liability insurance does not cover these incidents, so it is essential for fishing guides to have specialized policies like commercial auto insurance for comprehensive coverage.

Fishing guides may need to add 'business use' to their personal auto insurance policy

Fishing guides may need to add business use to their personal auto insurance policy. This is because, in some states, fishing guides need to have commercial coverage for their cars to be able to apply for a guide's license or launch their boat in a state park.

Commercial auto insurance for fishing guides covers the business if it is involved in a car accident and causes damage to others or itself. This type of insurance is customized for those who use their vehicles to transport customers to and from fishing locations.

Common coverages included in commercial auto insurance for fishing guides are:

• Auto liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection
• Hired and non-owned auto coverage
• Uninsured/underinsured motorist coverage

The premium for this coverage can fluctuate considerably depending on the value of the car, deductible, insurance limits, and location, among other factors.

This is because state-mandated coverages and limits vary across the country

Fishing guides should have commercial auto insurance to protect themselves and their businesses. This is because state-mandated coverages and limits vary across the country. For example, the state you live in may not let you apply for a guide's license or launch your boat in a state park unless you have commercial coverage for your car.

To get commercial coverage for your car, contact the company you buy your personal auto insurance from. They should be able to add 'business use' to your policy for an additional charge. The premium for this coverage can fluctuate considerably depending on the value of your car, deductible, insurance limits, location, etc.

The risks you face while driving with clients in the car are different from the risks covered by guide liability insurance. Guide liability insurance is designed to cover your business for the risks it faces on the water.

Commercial auto insurance is customised for those who transport customers

Commercial auto insurance is a must-have for fishing guides who transport customers to and from fishing locations. This type of insurance is designed to safeguard your business if you're involved in a car accident, causing damage to others or yourself. Here are some common coverages included in commercial auto insurance for fishing guides:

• Auto liability coverage helps when you cause an accident while driving your commercial vehicle. This coverage will pay for damages and injuries you are legally responsible for.
• Collision coverage protects your vehicle when it is damaged in a collision. It will pay for the cost of repairs or replacement.
• 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 covers your medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.
• Hired and non-owned auto coverage comes into play if you or an employee rents or borrows a vehicle and then causes an accident.
• Uninsured/underinsured motorist coverage protects you from damages and injuries caused by uninsured or underinsured drivers.

The coverage limits for commercial auto insurance typically range from $100,000 to $1,000,000 per occurrence, but they can be higher depending on your specific risks. Additionally, most insurers offer optional coverages, such as roadside assistance and trailer coverage, to provide even more protection.

It's worth noting that while commercial auto insurance is crucial for fishing guides who transport customers, it's just one component of a comprehensive insurance plan. Fishing guides should also consider general liability insurance, professional liability insurance, public liability insurance, commercial property insurance, and fishing guide boat insurance, among others. By combining various insurance policies, fishing guides can ensure they have adequate protection for their business, equipment, and customers.

It covers auto liability, collision, comprehensive, and personal injury protection

Fishing guides should have commercial auto insurance to protect themselves and their businesses. Accidents can happen, and commercial auto insurance covers auto liability, collision, comprehensive, and personal injury protection.

Auto Liability

Commercial auto insurance covers auto liability, protecting fishing guides from financial loss in the event of an accident. It provides liability protection, covering injuries or damage to other people or property if the policyholder is at fault for an accident. This is crucial, as the policyholder may be sued for a large sum of money if they are involved in a serious accident.

Collision

Commercial auto insurance also covers collisions, reimbursing the policyholder for damage to their vehicle resulting from a collision with another car, object, or as a result of flipping over. This includes damage caused by potholes and collisions with animals such as deer. Even if the policyholder is at fault, their insurance will reimburse them for the repair costs, minus the deductible.

Comprehensive

Comprehensive coverage helps protect the policyholder's vehicle in situations beyond their control. It covers losses like theft, vandalism, hail, and animal collisions. For example, if a policyholder hits a deer, comprehensive coverage will apply, whereas collision coverage would not. Comprehensive coverage is often required by lienholders to protect their interest in the vehicle.

Personal Injury Protection

Personal injury protection (PIP) covers the treatment of injuries to the driver and passengers of the policyholder's car. It can include medical payments, lost wages, and the cost of replacing services normally performed by someone injured in an auto accident. It may also extend to funeral costs.

Fishing guides can benefit from commercial auto insurance, which provides essential financial protection in the event of accidents or mishaps involving their vehicles. By having this coverage, fishing guides can focus on their business and clients, knowing they are protected from potential financial losses associated with auto-related incidents.

It also covers hired and non-owned auto coverage

Commercial auto insurance is a crucial form of protection for fishing guides. It covers any vehicle that is rented, leased, or borrowed for commercial purposes, including cars belonging to employees. This type of insurance is particularly important for fishing guides, as it also covers hired and non-owned auto insurance.

Hired and non-owned auto insurance is essential for businesses that use vehicles for work that are not owned by the business. This includes rented, leased, or borrowed vehicles, as well as employees' personal vehicles used for business purposes. Fishing guides often find themselves in this situation, using their own or rented vehicles to transport clients and equipment to fishing locations.

This type of insurance provides protection in the event of an accident. It covers bodily injury damage, helping to pay for medical costs, prescription medicine, lost income, funeral expenses, and legal and settlement costs. It also covers property damage, including vehicle repairs, legal fees, and replacement costs for damaged property.

For example, if a fishing guide rents a car to transport clients to a fishing spot and gets into an accident, the hired and non-owned auto coverage will help cover the costs associated with the accident, including any property damage or bodily injuries to the other driver. Similarly, if an employee uses their own car to transport fishing equipment and rear-ends another vehicle, the non-owned auto coverage can help pay for damages to the other vehicle if the costs exceed the employee's personal auto coverage limits.

Hired and non-owned auto insurance is typically added to a business's existing auto policy and is not usually offered as standalone coverage. It is an important addition to commercial auto insurance, filling in the gaps and providing protection for rented and personal vehicles used for business purposes.

Frequently asked questions