Passenger Vessel Owners

Insurance Program

Charter Lakes focuses solely on marine insurance and is one of the largest insurers of passenger vessels in the country. Our team consists of 10 account executives and over 20 customer service, claims and clerical personnel to assist you.

While passenger vessels face similar exposures, the business operation can be very different. We have developed optional coverages to meet specific needs of passenger vessel owners.


Optional Coverage’s:

  • Liquor Liability
  • Business Interruption
  • Marine Umbrella Coverage
  • Marine General Liability for land based or floating support operations
  • Shoreside Property and Casualty coverage.

Additional Features:

Payment Plans – We offer several interest free payment plans and a 10 month premium finance option depending on your needs.

Risk Management – Charter Lakes provides a wide array of risk management services which could even include loss control inspections. We can also help our clients with vessel leases, liability releases and indemnification contracts.

Interactive Access - Clients have 24 hour on-line access to their policy and their vessel documents which we store in a secure paperless environment. Clients can also request policy changes, file a claim, or make payments online.


Our clients include:

  • Party Fishing Vessels
  • Multi-Day Expedition Vessels
  • Dinner Cruise Boats
  • Replica Pirate Ships
  • Whale Watching Vessels
  • High Performance Jet Boats
  • Eco and Scenic Tour Boats
  • Environmental Education
  • Dive and Snorkel Boats
  • Airboats
  • Passenger Ferry Boats
  • Duck Boats
  • Paddle Wheelers
  • Sailing Vessels

CALL TODAY FOR A QUOTE!

THE CHARTER LAKES ADVANTAGE

As a passenger vessel owner you are serious about the condition of your boat and the experience of your crew. Both are critical to your success so you don’t skimp on either. The same should be true of your insurance. You need a commercial insurance policy that protects your property as well as your passengers and crew. The Passenger Vessel Owners Policy offered by Charter Lakes provides broad insurance protection at substantial premium savings.


Standard Coverage:

  • Physical Damage– Agreed Value
  • Passenger Liability– Protection and Indemnity (P&I)
  • Dockside Liability – Included in P&I
  • Pollution Liability – Included in P&I
  • Medical Payments Coverage – Included
  • Personal Property Coverage – Included
  • Towing and Emergency Assistance – Included
  • Equipment Stored Ashore Coverage – Included
  • Financial Security – The policy is underwritten by an A+ Superior rated Insurance Company
  • 24 Hours Claims Service

*Please consult one of our account executives for complete explanation of coverages.

Charter Lakes has been insuring passenger vessels for the past 30 years. We understand the business and the risks associated with operating a passenger vessel. We also understand how important it is to keep costs under control and have priced the policy according to the exposure. The result is an affordable insurance policy designed specifically for owners and operators of passenger vessels.