If I was hiring a guide I wouldn't be that concerned, if the guide is professional then they'll have their bases covered.
Peter say you hire guide A, he has everything you listed, and I hire guide B, he is a hack. Let's say both of us are pretty weak casters and new to being in boats. We both leave our gear scattered around the knee brace and both happen to slip on a misplaced fly box, go over and we crack our heads on a rock and die. At this time from our points of view does it really matter if guide B is unprotected?
Would those documents prevented you from falling in? Perhaps guide A would have pulled your body out sooner.
Regardless, the reason for a guide to have said requires is to protect themselves, not the user if this situation should ever happen.
Ill say this, you would be crazy to leverage all you own now and in the future to some yank that fell out of your boat because he went a little to hard the night before.