About Charter Lakes


Charter Lakes can trace its beginning to 1976 when, at that time, we were a full lines insurance agency. In 1978 we began insuring charter fishing boats in the Great Lakes through a group insurance program co-developed with the St. Paul Fire and Marine Insurance Company.  Over the years, the business gravitated more and more toward the marine line of insurance and in 1990 the agency sold off all of the non-marine lines of business to focus totally on marine insurance.  In 2013 Charter Lakes Insurance Agency was acquired by Arthur J Gallagher to become Gallagher Charter Lakes and currently operates as one of the largest producers of recreational marine insurance in the country.  Gallagher Charter Lakes is a Managing General Agent and control five distinct marine insurance products on a nationwide basis. We still manage the same Guided Sport Fishing Programs we developed 34 years ago, and are blessed to have clients who have been with us since 1978.

Today, Charter Lakes is one of the country's largest marine insurers focused totally on the insurance needs of boat owners. But more than that, Charter Lakes is about people dedicated to providing our clients with the best value on their marine insurance. We have a combined 120 years of experience in the marine insurance industry. That experience and knowledge is the resource this company uses to benefit each new and existing client every day.

While providing clients with the most competitive price and broadest coverage, we also believe that there is a real need for quality personal service. We have dedicated our resources to providing our clients with the best customer service in the business. Having knowledgeable personnel available to discuss your needs when you call is a chief component of our personal service. Understanding the marine insurance market like we do, and representing all of the largest marine underwriters in the country, enables us to find the best solution for our client's marine insurance needs.
These are some of the components that go into finding true value.

Very few insurance agencies specialize in marine insurance; even fewer have the knowledge and commitment to deliver our level of service. Our commitment to you, our valued client, is to continually strive to improve on all aspects of the service we provide and to remain focused on our goal of providing you with the best value for your marine insurance dollar.