I will definitely have to look into this. I fish several club tournaments a month, and need to protect me from any liability and my partner if any from hospital expenses. I have State Farm for everything, last year I planted a Honda in my truck passenger door when she scooted under me during a left turn, first claim in 40 years, $7000 payout total including two $1000 to passengers to shut them up, they raised my rates by 30%.