Taking paying passengers on the water transforms boating from recreation into business—and dramatically changes your insurance needs. Charter and guide insurance protects Eastern North Carolina's fishing guides, charter captains, and tour operators with coverage designed for commercial vessel operations.
Send us a few details and we will reach out to you shortly.
Commercial passenger operations face risks that recreational boat policies specifically exclude. Proper charter and guide coverage addresses these unique exposures:
Covers physical damage to your commercial vessel including collision, weather damage, fire, and theft. Commercial policies address the increased use and wear of charter operations.
Comprehensive liability coverage for injuries to passengers, crew, and third parties. P&I coverage is essential for any operation carrying paying passengers.
Covers your liability to crew members injured during employment. The Jones Act provides special protections to maritime workers that require specific insurance coverage.
Covers medical expenses for injured passengers regardless of fault. Demonstrates professionalism and provides immediate care without litigation delays.
Addresses liability arising from charter agreements and passenger contracts. Covers claims related to trip cancellations, service failures, and contract disputes.
Covers fishing tackle, safety equipment, electronics, and other gear essential to your operation. Protects your investment in the equipment that makes your business run.
Featured insurance partners:
Eastern North Carolina's charter industry serves diverse markets with unique requirements. Understanding regional factors ensures proper coverage:
Gulf Stream fishing and offshore trips face different risks than inshore operations. Coverage should reflect your actual operating range and the hazards of offshore waters.
Peak season brings maximum bookings and maximum exposure. Your coverage should address the concentrated risk of high-volume summer and fall operations.
From inshore redfish to offshore marlin, different fisheries involve different equipment and risks. Coverage should address your specific charter offerings.
Hosting or participating in fishing tournaments creates additional exposure. Policies should address tournament-specific risks including prize money and competition liability.
Commercial operations require proper Coast Guard licensing and documentation. We ensure your insurance meets regulatory requirements and USCG inspection standards.
Passenger liability claims can reach millions. We help you determine appropriate P&I limits based on passenger capacity, operating area, and asset protection needs.
Jones Act, maintenance and cure, and general maritime law create complex crew injury exposures. We ensure comprehensive coverage for your employment obligations.
Uninspected passenger vessels (six-pack) and inspected vessels face different requirements. We structure coverage appropriate for your specific operation type.
Written charter agreements affect insurance coverage. We review your contracts to ensure insurance terms align with your operational agreements.
Commercial marine claims require specialized expertise. We advocate for fair treatment and help navigate maritime-specific claims procedures.
Your charter business depends on proper insurance protection. Maritime commercial coverage is specialized and critical to your operation. Our marine specialists explain your options. Call us at (252) 637-4173