Coverage Options
Sportfishing Charter & Guide Insurance
Every marine policy a charter or guide operation needs — in one place, from specialists who know the water.
Charter Boat Liability (P&I)
Protection & Indemnity (P&I) is the core liability coverage for any sportfishing charter. It responds to third-party bodily injury, property damage, pollution, and wreck removal arising from the operation of your vessel.
Passenger Legal Liability
Passenger legal liability protects you against injury claims from the customers you take fishing. On a moving vessel with wet decks, hooks, and gaffs, passenger injury is the most frequent charter claim — and maritime law holds the vessel owner to a high duty of care.
Hull & Machinery Insurance
Hull & machinery (H&M) is the marine equivalent of physical-damage coverage. It protects the vessel itself — hull, engines, outriggers, and onboard systems — against grounding, collision, storm, fire, sinking, and theft on an agreed-value basis.
Fishing Gear & Equipment
A charter boat's working gear — rods, reels, fighting chairs, electronics, downriggers, tackle, and tools — represents thousands of dollars that hull coverage often excludes. Fishing gear & equipment insurance covers it against theft, loss overboard, and damage, on and off the boat.
Marine Trailer & Commercial Auto
Trailerable charter and guide boats spend serious time on the highway. Commercial auto and trailer coverage protects the tow vehicle and the trailered vessel on the road — exposures that marine hull and personal auto policies exclude.
Captain & Crew Coverage
Crew members aboard a vessel aren't covered by standard workers' compensation — they fall under federal maritime law. Captain & crew coverage provides Jones Act, USL&H, and Maritime Employers Liability protection for the people who run your charter.
Excess Marine Liability (Umbrella)
A marine umbrella extends your primary liability limits. When a serious offshore injury or a multi-passenger incident exceeds your P&I limit, excess marine liability is what protects your boat, your home, and your business.
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