Insurance

Protect yourself, your gear, your livelihood, and your future with a suite of insurance offerings.

Through our partners at Cross Current Insurance, you can not only protect your tools of the trade when needed, and in many states required, liability insurance, but additional protection in the event of unforeseen circumstances or injury.

Liability Insurance is an insurance product that provides you with protection against claims resulting from injuries and damage to other people or property. Liability insurance policies cover any legal costs and payouts an insured party is responsible for if they are found legally liable.

Disability Insurance replaces a portion of your income when you can't work because of an illness or disability. Disability provides wage replacement benefits that cover, on average, up to 60% of your earnings. Those payments usually go up to a cap or a maximum monthly payout.

Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, as well as other expenses you may face such as transportation and lodging needs.

Life insurance is a contract between you and an insurance company. Essentially, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. Your beneficiaries can use the money for whatever purpose they choose.

Guide/Outfitter Liability Insurance Coverage

$1,000,000 Each Occurrence Limit
$1,000,000 Personal and Advertising Injury Limit (Any One Person or Organization)
$2,000,000 General Aggregate Limit (Other than Products-Completed Operations)
$2,000,000 Products/Completed Operations Aggregate Limit
$100,000 Damaged to Rented Premises (Any One Premises) $5,000 Medical Expense Limit – (Any One Person)

Through our partners at Cross Current Insurance, you can insure yourself for all of 2023 or part of the year.

Property Coverage is available for non-motorized boats, rods, tackle, and trailers.
$1 of premium for every $100 of property value. $1000 deductible per claim.

Policy limits are compliant with standard US National Park Service, US National Forest Service, and all other governmental entities requiring additional insured status on your guide liability policy.

Why Liability through OGA and Cross Current Insurance

  • Intimately familiar with the fishing industry.

  • Competitive rates

  • No audits or reporting of sales or number of trips

  • Fast, friendly customer service.

  • All emails and phone calls are responded to within 1 business day.

  • Home/Auto/Renters/Boat insurance options that also help give money back to OGA

  • Property Coverage available for non-motorized boats, rods, tackle, and trailers. $1 of premium for every $100 of property value. $1000 deductible per claim.

  • Policy limits are compliant with standard US National Park Service, US National Forest Service, and all other governmental entities requiring additional insured status on your guide liability policy.