Standard Charter Boat Policies Aren’t Enough – You Deserve Real Coverage, Real Protection  

Sudden weather shifts, passenger injuries, crew injuries, equipment breakdowns – the risks of owning a Charter Boat are real. A one-size-fits-all insurance policy won’t cut it when it comes to charter boat-specific realities. You need charter boat insurance that goes beyond standard boat policies.

  • Comprehensive Protection

    Broadest policy for charter operators

  • 24/7 Claims Support

    Help anytime, anywhere – you’ll never be stuck waiting on shore.

  • Agreed Value Settlements

    Peace of mind knowing that a total loss pays the full insured amount with no depreciation curveballs.

  • Fleet Discounts

    More vessels, more savings – competitive pricing for fleets.


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From the Captains' Chairs

We have insured a number of boats with Charter Lakes Marine Insurance. Charter Lakes Marine always gives us a competitive price and excellent service.

Katrina Lavergne

Insurance That Covers Your Charter Boat Business

Every day you face the realities and risks of owning a charter boat  – we think your policy should, too. We tailor charter boat insurance policies around your life and your work on the water. With an all-risk charter insurance package, you can run trips without second-guessing your coverage.

  • Hull, Machinery & Equipment

    Protection against sinking, fire, collision, storms, theft, and more.

  • Medical Payments

    Coverage for small injuries to passengers and guests.

  • Protection & Indemnity (P&I)

    Liability coverage geared to cover Charter Boat Owner exposures.

  • Dockside Liability*

    Coverage that starts before passengers board and continues after they step off.

  • Passenger & Crew Coverage

    Structured to support commercial charter operations for Bodily Injury to your guests and crew.

  • Replacement Vessel Liability*

    Seamless protection if you need to operate a backup boat.

  • Uninsured/Underinsured Boater

    Because not everyone else on the water carries enough coverage.

  • Personal Property and Fishing Gear

    Protection for your personal items and expensive gear from damage or theft.

*Coverage may not be available in all programs.

Who you insure through matters 

Marine Coverage That Fits Your Charter Business

We're not here to change the way you guide. We're here to insure it - so you can ensure you're doing things your way. Our coverage works for guides who...

  • Sportfishing Charters
  • Excursion Charters
  • Sightseeing & Eco-Nature Tours
  • Multi-Boat & Fleet Operations
  • Whale Watching Tours
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Let's get your charter fully covered today.

Your operation: Protected with Extras That Others Miss

When it comes to your charter operation, the basics aren't enough. We can round out your custom policy with options that help you meet contracts, align with resort and marina requirements, and cover the unique risks of every trip.

  • High-Limit / Excess Liability

    Meet insurance requirements of resorts, marinas, and booking agencies without stress.

  • Captain & Crew Liability

    Coverage specifically tailored to the way you staff and run your operation.

  • Dockside Liability*

    Coverage that kicks in before passengers step on board and after they disembark. *Not available in every package

  • Equipment & Tackle Safeguard

    Protect your high-value gear and fishing tackle

Charter Coverage Built by Marine Insurance Specialists

For over 35+ years, Charter Lakes has been specializing in just marine insurance. Our marine experience provides faster, cleaner quoting, smarter coverage design, and support from those who actually understand the risks of owning a charter boat business.

What does that mean for you? Real marine coverage that covers real charter boat risks.

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Fast, easy, & secure!


Charter Boat Insurance: Frequently Asked Questions

Charter Lakes is a specialist in the marine insurance industry. We have numerous years of experience when it comes to providing you with the proper coverages for your boat. Whether you own a charter boat, a pleasure craft, or a commercial boat for hire we have both the knowledge and experience to meet your needs. We are an industry leader when it comes to marine insurance.

We offer multi-boat and fleet discounts. We may provide discounts for boater safety education course certifications, prior vessel ownership and operating experience, and clean driving records.

Yes, most insurance carriers offer several options to meet your needs. Ask your agent for specific details.

Typically we can bind coverage the same day as you receive your quote, but this may depend on the age of your vessel and the insurance underwriting subjectivities.

Many insurance companies use the 26 feet and less in length to classify a boat and over 26 feet to be classified in their yacht program.