Bass Boat Insurance

You enjoy the fishing, we will handle the insurance!

Welcome to On The Water Marine Insurance, where we’re Anchored in Protection for all your boat insurance needs. As avid outdoor enthusiasts ourselves, we understand the joy and excitement that comes with owning a bass boat. Whether you’re cruising the calm waters, casting your line for the big catch, or competing in tournaments, your bass boat is not just a vessel—it’s a cherished part of your outdoor adventures.

Coverage options for your Bass Boat

  • Agreed Value Coverage for your Boat and Outboard

  • Personal Effects / Fishing Gear

  • Countywide Navigation

  • Tournament Fee Coverage

  • Professional Angler & Chartered Fishing Guide Options

  • Bodily Injury and Property Damage Liability

  • Uninsured/Underinsured Watercraft Bodily Injury

  • Medical Payments for Injuries

  • Fuel Spill Liability and Wreckage Removal

  • Emergency Assistance / On Water Towing

Bass Boat Insurance FAQ’s

Expect your cost to be around 1% of the hull value. In some areas, this can be as low as 0.5% r as high as 3%.

$100,000 boat x 1% = $1,000

Factors that can change this rate are the age of the boat, your prior experience, how you use the boat, and where you use the boat.

Yes!

Electronics – These will be covered under your physical damage coverage on your policy. The value of your electronics will be included in your hull value.

Fishing Gear – We can add coverage for both your personal property and your fishing gear. Limits can be available up to $25,000.

 

Absolutely. Most tournaments require you carry a minimum amount of liability insurance. If you plan to use your boat in fishing tournaments, be sure to let us know so we can secure you the appropriate coverage.

For insurance purposes, you are considered a pro angler if you make more than 50% of your annual income from fishing tournaments.

Some insurance companies will not insure pro anglers.

We have companies that we can insure both recreational use as well as pro anglers. Reach out to our team today at (513) 653-3800.

If you have your captain’s license, occasionally chartering your boat is a great way to make some additional money.

We have several options for chartered fishing guide coverage. The available options will depend on how many days a year you plan to charter.

None, we can write coverage for brand new boaters. Although many insurance companies will give you discounts for your years of prior boating.

In the majority of situations, you will not need a marine survey to insure your bass boat.

Ready to get started?