Boater’s Blog

Whether you’re a seasoned bass fisherman or just getting started, having the right bass boat insurance is crucial. This blog covers the essentials, from agreed value coverage to protect your boat’s full value, to insurance for electronics and fishing equipment. We also explore common claims like lower unit damage, the importance of tournament coverage, and medical payments protection.

When it comes to insuring your boat or yacht, understanding the difference between admitted and surplus lines insurance is crucial. Admitted carriers offer state-backed protections and often more comprehensive coverage, while surplus lines step in for higher-risk situations, but with more restrictive rules and higher costs. In this post, I’ll share a recent experience with a client who nearly switched to surplus lines, even though they qualified for admitted coverage—and why it’s important to know the difference when protecting your investment.

High-performance boats offer unmatched thrill and speed, but they also come with unique insurance needs. Standard policies may not cover these powerful vessels, especially when speeds exceed 75 mph. That’s why it’s crucial to involve your marine insurance broker early in the process. From matching your boat to the right insurer to navigating complex requirements like named operator policies and boater's resumés, your broker ensures you get the comprehensive coverage needed to protect your investment and enjoy your time on the water with confidence.

Navigating the waters of sport fishing boat insurance can be tricky, but having the right coverage ensures you’re protected no matter where your adventures take you. From extended navigation coverage for trips to the Bahamas, the Caribbean, or Mexico, to specialized coverage for tournaments, captains, crews, and charter operations—there’s a lot to consider. Understanding your options helps you focus on what really matters: enjoying your time on the water.

Most boat insurance policies don't cover mechanical breakdowns, but we’ve got you covered. We represent multiple insurance companies that offer coverage for mechanical breakdowns. But, just like all other parts of insurance, no two companies policies and endorsements are the same. Let our expertise be your guide to getting your boat Anchored In Protection!