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While there is no general rule or requirement for you to be insured for this type of venture, some fishing guides (or similar businesses) do choose to carry insurance, but do so as a business decision instead of a statutory issue.
By keeping your risk very small as you have proposed, the cost of insurance is likely to be very low as well. You may or may not wish to purchase insurance, but an insurance broker can tell you how much it would be to cover you in the unlikely event there was an accident during one of your trips that somehow raised an issue of liability. The benefit of insurance is that the carrier will step in and defend you so that you do not put your own assets (or the assets of the company) at risk.
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