Boater’s Blog

As a marine insurance broker based in Ohio, we understand the unique needs of Ohio boaters. Whether you're navigating Lake Erie or enjoying a peaceful day on the Ohio River, having the right insurance is essential. In this article, we answer common questions like why you shouldn't bundle your boat with homeowners insurance and explore pricing options for various types of boats.B

If you run a small fishing charter in states like Ohio, Indiana, or Kentucky, having the right insurance is crucial. Whether you're offering bass, walleye, crappie, or catfishing charters, a personal boat policy with a charter fishing guide endorsement can provide the coverage you need—without breaking the bank. In this post, we’ll explore real-world rate examples and why our policies stand out, including no forced winter layup periods and matching uninsured boater coverage to your liability limits.

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.