Your home now and the bills start mounting up. You contact the guides insurance company and they say they won't pay. Confused you hire a lawyer and he says you have no case against the insurance company. You win a lawsuit against the guide but can't collect. He has no money and his boat is gone.
Accidents do happen, even to the most experienced boaters.
Making sure your guide is properly licensed and insured is a must. It is possible that his insurance company does not know that he guides, which will probably make his insurance null and void. If your guide operates on Corps of Engineers navigational waters, he or she must be licensed by the Coast Guard and have any state licenses that may apply. The guide also must carry the proper insurance for carrying passengers for hire. This insurance cost about double the rate of normal insurance.