START YOUR PASSENGER VESSEL QUOTE

Insurance That Covers Every Passenger, Every Trip

Each trip offshore comes with immense responsibility. Your passengers and crew trust you to provide a safe experience where operations run smoothly but carrying passengers comes with risk that standard boat insurance isn t designed to handle.

Our coverage is built specifically for the realities and rewards that go hand in hand with passenger service. Because when your business depends on every voyage getting from departure to dock without interruption, you need coverage you can count on.

What Our Passenger Vessel Operators Can Always Count On:

  • Towing & Emergency Assistance

    Fast support when you need it most don t let breakdowns, mechanical issues, or unexpected situations leave you stranded.

  • Equipment Stored Ashore Coverage

    Not every valuable piece of your operation lives on the boat protection for covered equipment when it s off-vessel or stored ashore.

  • Comprehensive Coverage

    Protection designed specifically for commercial passenger operations.

  • Personal Property Coverage

    Comprehensive protection for the tools, supplies, and personal property you rely on every day.

  • Agreed Value Settlements

    Know exactly what a covered total loss pays with no depreciation surprises.

  • Dockside Liability

    Coverage before passengers board and after they disembark.

  • Passenger & Crew Protection

    Coverage designed around the people who trust you every trip.

  • Mechanical Breakdown

    Protection when equipment failure threatens your schedule and your revenue.

  • Passenger Liability: Protection & Indemnity (P&I)

    Commercial marine liability protection built for passenger-carrying vessels.

  • Replacement Vessel Liability

    Stay protected when operating a temporary replacement vessel.

  • 24/7 Claims Support

    Help when you need it whether you're at the dock or offshore.

  • Pollution Liability

    Coverage for accidental fuel spills and discharge incidents.

  • Medical Payments Coverage

    Fast, reliable, and people-first protection for passenger and crew injuries.

Words from Our Passenger Pros on the Water

Love the service always ready to help. They make boating insurance easy. Great staff.

Warren

Passenger Vessel Coverage Designed for the Way You Operate

No two passenger vessel operations are the same. Whether you're transporting passengers, hosting one-of-a-kind experiences on the water, or running educational excursions, your coverage should reflect the realities of your unique charter vessel operation.

  • Sport Fishing Vessels
  • Environmental Education
  • Multi-Day Expedition Vessels
  • Dive and Snorkel Boats
  • Dinner Cruise Boats
  • Passenger Ferry Boats
  • Replica Pirate Ships
  • Paddle Wheelers
  • Whale Watching Vessels
  • Sailing Vessels
  • Eco and Scenic Tour Boats
  • Dolphin Watching Boats
START YOUR CUSTOM QUOTE

Protection Plans Designed to Support Your Entire Operation

Running a passenger vessel operation means protecting more than a boat you re accountable for your passengers, crew, schedules, and even the experiences that people count on. Filling the gaps that other insurance companies miss can make all the difference. Here s how we provide added protection for the risks and realities of operating on the water.

  • Maritime Employment Liability (optional)

    Protection designed for liabilities involving your captains and crew.

  • Flexible Payment Options

    Choose from multiple interest-free payment plans or a 10-month premium finance option.

  • Liquor Liability (optional)

    Additional layers of specialized protection for operations that serve alcohol onboard.

  • 24/7 Online Policy Access

    Secure online access to vessel documents, policy information, payments, claims reporting, and policy change requests.

  • Additional Interests & Waivers of Subrogation (may be required by vendor)

    Help meet contractual requirements with specialized policy endorsements.

  • Risk Management Support

    Access guidance, loss control resources, vessel lease assistance, liability releases, and indemnification contract support.

Marine Insurance Built by Passenger Vessel Specialists

We might sell marine insurance but more importantly, we deeply understand it. When passengers step aboard your vessel, they're placing their trust in you. You deserve an insurance partner that deeply understands that responsibility.

For 40 years, we ve helped passenger vessel operators like you with insurance that covers the realities of your operation, so you can focus on delivering exceptional experiences on the water.

Who You Insure Through Matters

CONNECT WITH US

Passenger Vessel Insurance: Frequently Asked Questions

Passenger vessel insurance is designed to protect your vessel, passengers, crew, and business from the unique risks of carrying passengers on the water. This should not be a cut-and-dry general liability (GL) insurance the liability exposures for operating a passenger charter vessel on the water are significantly more extensive. Depending on the policy, coverage may include physical damage, passenger liability (P&I), crew protection, agreed value settlements, pollution liability, mechanical breakdown, towing and emergency assistance, wreck removal, salvage, and even more.

We'll make it as simple as possible, if you operate a vessel that carries passengers for hire, a commercial passenger vessel insurance policy is an absolute must. This type of insurance is designed to protect your business from risks that recreational boat insurance typically doesn't or can't cover because the intention is different (think: recreational versus commercial). Coverage like this can help protect your vessel, passengers, crew, and operation from costly claims and unexpected losses.

Passenger vessel insurance is a specific type of marine insurance that's built for commercial operations that transport passengers, it also accounts for the specific risks and responsibilities you'll undertake on the water with passengers. Unlike recreational boat policies or general marine policies, it includes protections designed for passenger liability, crew-related exposures, commercial operations, exposures under general maritime law and waterways of commerce, and other risks associated with carrying passengers for hire.

Our coverage options are designed to help protect both your passengers and your crew, including Protection & Indemnity (P&I), medical payments, and additional employment-related liability coverages that can be tailored to your operation. To learn more about the specifics, we recommend talking with one of our representatives.

It all depends on the coverage limits and your insurance needs. Your insurance carrier will base this on several factors, including your vessel value and deductible, passenger capacity, navigation area, claims history, business operations, and the coverages you specifically select. We will work with you to build coverage that fits your operation while helping you manage insurance costs.

P&I insurance is a specialized form of marine liability coverage specifically designed to help protect both recreational and commercial vessel owners from claims involving bodily injury to passengers and crew, defense costs, pollution spills, wreck removal, and third-party property damage. It is much broader than standard Commercial General Liability, which typically only includes bodily injury and property damage, and not all exposures related to a Passenger Vessel. Having P&I Liability Coverage in your Passenger Vessel Insurance policy is essential to ensure you have the protection you need.


GET MY CUSTOM QUOTE