Charter Boat Insurance for Michigan Tour & Guide Services
Coverage Built for Life on the Water
Operating a charter boat in Michigan comes with responsibility — to your passengers, your crew, your equipment & your business. We offer marine coverage designed for charter operators like you, with policies that protect your vessel, your liability, and your income when unexpected delays or accidents occur. Whether you run fishing tours on Lake Michigan or sightseeing trips up north, we’ll help you find a plan that fits how you operate.
Who This Coverage Is For
Coverage for All Types of Michigan Charter Operations
- Fishing guides & sportfishing boats
- Tour boats & scenic cruises
- Water taxis & harbor shuttles
- Wildlife tours or photography charters
- Multi-boat fleets or part-time seasonal operators
- USCG-licensed captains & charter businesses
What Charter Boat Insurance Can Include
Hull Coverage
Repairs or replacement for your vessel if it’s damaged by collision, sinking, fire, or weather-related events.
Liability Protection
Coverage if a passenger or third party is injured, or if you’re held responsible for damage to other boats or property.
Passenger Medical Payments
Helps pay for guest injuries sustained onboard or during charter activities — even if no lawsuit is filed.
Equipment & Gear
Optional protection for rods, reels, electronics, and other high-value items used during your trips.
Pollution Liability (Optional)
Protects against environmental liability if fuel or other contaminants are accidentally released into the water.
Don't See What You Need?
Reach out and we'll help you find a policy that fits your charter operation. Our team can customize protection based on your boat type, location, and business needs.
Why It Matters
Why a Standard Boat Policy Isn’t Enough
Most personal watercraft policies don’t cover commercial activities — including paid charters or guest transport. If you’re operating with paying clients, even part-time, you need specialized coverage that meets both state laws and Coast Guard requirements. Without it, a single claim could threaten your business, your license, or your ability to book future trips.
Three Ways We Help
Why Charter Captains Work With Us
Marine Expertise
We understand the unique risks charter operators face — because we’ve helped insure them for years.
Flexible Options
We work with multiple marine insurers to find policies that match your boat size, passenger count & season.
Fast, Friendly Support
Questions, claims or renewals — we’re local, responsive, and here when you need us most.
Charter Boat Insurance FAQs
Do I need special insurance if I only do a few charters per season?
Yes. Once you start charging passengers, your personal boat policy likely no longer applies. We can help with part-time & seasonal coverage options.
Does this cover guest injuries or lawsuits?
Yes — liability coverage and optional medical payments help protect you if a guest is injured onboard or during your tour.
Can I insure my fishing equipment or electronics?
Definitely. We can include coverage for gear like sonar systems, rods & tackle as part of your marine policy.
Is insurance required for Coast Guard-licensed charter boats?
While not always required by law, most harbors and booking platforms require proof of insurance. It’s also essential risk protection.
What if I operate more than one boat?
We can help you cover multiple vessels under a fleet policy or create custom coverage plans for each one.
Get Coverage That Keeps You on the Water
Running charters is more than just a job — it’s your way of life. Let’s make sure your boat, your guests & your business are protected all season long.