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.
Gear & Equipment Coverage for Charters and Guides
A fully outfitted sportfishing operation carries a fortune in tackle. Premium conventional and spinning reels, custom rods, fighting harnesses, electronics, downriggers, trolling motors, gaffs, nets, and a deep tackle inventory can easily total $15,000–$50,000 — and a hull policy frequently excludes loose gear and "equipment not permanently attached to the vessel."
Fishing gear & equipment insurance (a form of inland marine / equipment floater) fills that gap. It covers your working gear against theft from the boat or truck, loss overboard, fire, and accidental damage — whether the equipment is on the water, on the trailer, or stored at the dock between trips.
Why Guides Especially Need This
For a flats or river guide, the gear is the business. A guide running a flats skiff or drift boat may not carry a large hull value, but the rods, reels, electronics, and trolling motor are the difference between working and not. This coverage keeps a stolen trailer of gear or a flooded tackle locker from ending your season.
On-Water and Off-Water Protection
Theft happens in marina parking lots and storage yards as often as on the water. A scheduled equipment floater follows your gear wherever it goes — covering the trailer-stored tackle, the reels in your truck, and the rods in the rod locker — with replacement-cost settlement rather than depreciated payouts.
What's Covered
Frequently Asked Questions
Usually only the equipment permanently attached to the vessel. Loose gear — rods, reels, tackle, portable electronics, trolling motors — is typically excluded or sub-limited on a hull policy. A separate equipment floater covers it properly.
Yes. An equipment floater follows your gear on and off the water — including theft from your vehicle, trailer, or a storage unit between charters. That off-water coverage is exactly why guides and charter captains carry it.