How to Prepare Your Charter Boat for an Insurance Inspection

If you’re insuring your charter boat in Michigan, there’s a good chance your provider will request a vessel inspection — especially if you’re operating commercially. These inspections help insurers understand the condition of your boat and assess any risks before issuing or renewing your policy. A smooth inspection not only helps you secure coverage faster, but it can also lower your premium.

 

 

What Is an Insurance Inspection for a Charter Boat?

An insurance inspection is a professional assessment of your vessel’s seaworthiness, safety equipment, and overall condition. For most charter boat operators, this means a marine survey completed by a certified surveyor. Your insurance provider may require this before issuing a new policy, increasing coverage, or following a claim.

 

When Are Inspections Required?
Not every policy requires a full survey, but most insurers request one if:

• Your vessel is older (typically over 10–15 years)

• You’re starting a new policy with a new carrier

• You operate commercially or carry passengers for hire

• Your boat is valued above a certain threshold (often $25,000+)

 

How to Prepare for Your Inspection:

 

1. Schedule a Certified Marine Surveyor
Choose a surveyor accredited by organizations like NAMS (National Association of Marine Surveyors) or SAMs (Society of Accredited Marine Surveyors). Your insurer may even recommend someone. Be upfront about the inspection’s purpose — insurers require specific documentation.

 

2. Ensure All Safety Equipment Is Up to Code
Double-check that your boat includes:

• USCG-approved life jackets (Type I, II, or III)

• Fire extinguishers (charged & accessible)

• Flares or visual distress signals

• Sound-producing devices (like a whistle or horn)

• A throwable flotation device

• First aid kit

3. Check Mechanical Systems
Surveyors will inspect the engine, fuel lines, bilge pumps, electrical systems, and battery terminals. Address any obvious leaks, corrosion, or exposed wiring in advance.

 

4. Clean & Declutter
Make sure the deck is tidy, gear is properly stowed, and all systems are accessible. A clean boat isn’t just about appearance — it helps the inspector do their job safely and efficiently.

 

5. Review Documentation
Have these ready:

• Proof of ownership

• Maintenance records

• Recent repairs or upgrades

• USCG documentation or state registration

• Your current or proposed insurance policy (if applicable)

 

 

What Happens After the Inspection?

The surveyor will provide a written report, often including photos, valuations, and safety recommendations. Your insurer uses this report to determine whether they’ll offer coverage, what limits they’ll approve, and what exclusions (if any) they’ll include.

Some insurers may require you to fix issues (like fuel leaks or outdated fire extinguishers) before finalizing the policy.

 

 

Final Thoughts

A little preparation goes a long way. Keeping your vessel in good working order and addressing safety concerns up front not only helps you pass inspection — it protects your passengers and your livelihood. If you’re unsure what your insurance provider will require, ask them for a checklist or sample survey before scheduling.

Need help reviewing your coverage before inspection? We’re happy to help you understand what your charter boat policy should include.