Insurance for Fishing Guides & Charter Captains

Your customers come for redfish. You carry the risk.

For Texas bay and offshore fishing guides, charter captains and tour boat operators.

What's different

What Fishing Guides & Charter Captains Should Know

You know where the redfish are. We will help with the part of the business that happens on shore.

Once someone pays to step onto your boat, a recreational boat policy no longer applies.

Paying passengers

Personal boat insurance excludes carrying passengers for hire. A charter policy covers passenger injury and your legal defense.

The boat is the business

Hull, motor, electronics and tackle are your income. Ask how the policy pays after a loss: agreed value or depreciated value.

Coverages to ask about

Boat InsuranceDamage to your boat, motor and trailer, plus liability on the water.
General LiabilityInjury or property damage your work causes to a customer or the public.
Commercial AutoVehicles titled to the business or used mainly for work. A personal policy can deny a claim for business use.
Life InsuranceMoney for your family if you die: income replacement, the mortgage, college.
Health InsuranceIndividual and family medical coverage when you do not have a plan through work.
Auto InsuranceLiability, collision and comprehensive on the cars your household drives. Texas requires at least 30/60/25 liability.

Request a Quote

Tell Us About You

This form asks the questions that matter for Fishing Guides & Charter Captains, and two minutes is enough to start. You are not a number here. A licensed Texas agent in Corpus Christi reads every request personally and tells you plainly what is available for your situation.

☏ (361) 336-0409 ✉ L.Emily@allfleurone.com ✦ 921 N Chaparral St, Suite 212, Corpus Christi, TX 78401

Quote Request for Fishing Guides & Charter Captains

Your charter

This quote is for

Employer or business name (optional)

Current policy renews

Your name

ZIP code

Phone

Best way to reach you

Anything else?

It's OK to text me about this quote. Msg & data rates may apply. Reply STOP to opt out. Consent is not required to get a quote.

No spam. We never sell your information. A licensed Texas agent reviews every request. Sending this form does not start or change any coverage.

Our promise

What You Can Expect From Us

A neighbor, not a call centerWe are locally owned, with an office on Chaparral Street in downtown Corpus Christi. A licensed Texas agent reads your request personally.
Questions about your workWe ask what your days look like before we talk about policies, because coverage should fit the life you actually have.
Plain answers, no pressureWe explain your options in everyday language, and we tell you honestly when something is not the right fit or when we cannot help.

Before you call

What Speeds Up Your Quote

Have readyYour captain's license and years guiding
Have readyBoat year, length, motor and value
Have readyTrips per year and passengers per trip

Questions

Fishing Guides & Charter Captains: Insurance FAQ

Do marinas and booking sites ask for proof of insurance?

Many do, with a minimum liability limit and the marina named on the certificate. Send us what they ask for.

Is my truck and trailer covered when I tow to the ramp?

The truck is on your auto policy. If guiding is your business, tell the insurer the truck is used for it.

How do I get a quote?

Fill in the form on this page or call (361) 336-0409. A licensed Texas agent reviews every request and tells you plainly what is available for your situation. Nothing is covered until an insurance company issues a policy.

General information for Texas residents, not legal, tax or financial advice. Not every coverage is available for every person or business. Coverage is subject to policy terms, conditions and underwriting approval.

More People We Serve

Refinery & Plant Workers Oilfield Workers Port & Dock Workers Shrimpers & Commercial Fishermen All professions →