Old United Fishing Guide Insurance is designed for guides residing near or on an inland lake. The guide will have professional knowledge of local waters within 150 miles of his primary residence.

Qualifications
To be used for boats less than 26 ft. in length and with a combined hull, outboard motor, trailer and unattached equipment and accessories value of less than $75,000. Maximum insurable horsepower is 225hp and speed is 75 mph.

Valuation
"Agreed Value" except for certain specific scheduled items subject to depreciation as outlined in the policy. Outboard motors seven years or older are subject to "actual cash valuation."

Coverages and Sublimits

1. Coverage "A": Watercraft and Equipment (Physical Damage)
   $5,000 to $75,000
   
   
2. Coverage "B": Watercraft Liability
   Options of $50,000, $100,000, $300,000 and $500,000
   
   
3. Coverage "C": Medical Payments
   Standard coverage at no additional charge
   
   • $1,000/occurrence with $50,000 limit
   • $10,000/occurrence with $300,000 limit
   • $10,000/occurrence with $500,000 limit
   
   
   
4. Coverage "D": Uninsured Boaters Insurance
   Matches whatever Watercraft Liability is chosen by the "Insured", subject to a maximum of $500,000.
   
   
5. Coverage "E": Personal Effects
   Standard Coverage at no additional charge is $1,000, subject to an increased $250 deductible. Higher limits are available up to $5,000. Coverage is "replacement cost" subject to a graduated depreciation schedule outlined in the policy.
   
   
6. Emergency Service/Towing: Standard "no-cost" coverage is $250 with no deductible.
   
   

Navigational Limits
U.S. inland waters excluding the Great Lakes and coastal waters of the U.S.

Deductibles

Watercraft and Equipment are subject to a standard deductible 2% of the hull or $500 (whichever is higher) with options of 3%, 4%, 5% and 10%.

1. Coverage "A": Watercraft and Equipment
   The greater of the $500 standard minimum deductible or 2% of the value of the hull.
   
   
2. Coverage "C": Medical Payments
   $100 deductible will apply while the watercraft is used as a "fishing guide boat".
   
   
3. Coverage "E": Personal Effect
   $250 deductible on any covered loss.
   
   

Minimum Premiums
$300 for policies subject to a $50 minimum earned premium. New policies are subject to a one-time flat $25 fully earned "policy service fee" (except in states where prohibited).

Special Terms and Conditions

• Fishing Guide Endorsement is mandatory.
• Outboard Motor(s) Actual Cash Value Endorsement is mandatory for any risks which have one or more outboard motors which are seven years old or older.
• "Kill Switch" or "Hot Foot" Pedal Warranty Endorsement mandatory for all boats which exceed 60 mph.
• Speed Warranty Endorsement mandatory for boats that exceed 60 mph.