Marine Insurance for How You Work & Play On the Water
Over 35 Years Experience | A-Rated Carriers | Competitive Rates
From individual boat owners to passenger vessel operations, Charter Lakes Marine Insurance delivers custom insurance solutions that reflect decades of hands-on experience. For 35+ years, Captains, Fishing Guides, and Boat Owners like you have trusted us to protect what matters most – their livelihood and life on the water.
Who you Insure Through Matters
Captains, Guides, Anglers, & More Trust Charter Lakes – Here’s Why
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Holistic Coverage for Peace of Mind
Comprehensive insurance that keeps your vessel, passengers, and crew safe from bow to stern.
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More Vessels, More Savings
Most insurance companies add additional discounts when you insure multiple vessels or your full fleet with our team.
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Experts Who Understand Your World on the Water
We’ve got over a century of combined experience exclusively in marine insurance – we’ve been there, we get it.
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No Depreciation Surprises
An agreed value policy ensures you get the full insured value in case of a total loss.
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Help When You Need It Most
You’ll always have Charter Lakes claims support – that means help anytime, anywhere, so you know you’re never left stranded on or off the water.
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Rewards for Safe Operators
Your vessel may qualify for a disappearing deductible that drops every year you go claim-free — even down to zero.
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The Broadest Protection at the Right Price
Get more comprehensive marine insurance coverage without paying more for it.
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Don't settle for less than you deserve!
Your fast, easy, & secure quote starts here.
Marine Insurance Tailored for Your Time on the Water
However you work or play on the water, we’ve got you covered – no matter the vessel or the voyage. Our comprehensive marine insurance delivers protection made for you, your boat, your business, and your crew.
Fast, easy, & secure!
Marine Insurance Policies All About Your Peace of Mind
We proudly offer flexible options and extras that are often overlooked in the insurance world. Why? Because every vessel is built for a unique purpose, and your insurance policy should be too. We know what you face on the water – we’ll help you find coverage to meet your needs.
Wide Variety of Coverages Available
Full-service protection for charter boats, commercial vessels, fishing guides, yachts, small craft, and more.
Replacement Vessel Liability & Endorsement
Some policies provide protection if you temporarily operate another boat, when your vessel is out of commission for a covered loss.
Equipment & Tackle Safeguard
Coverage even when stored ashore or in a vehicle, with many policies.
Words Straight From the Deck
"Charter Lakes has provided insurance services to my family’s boats…Even in really tough economic times, we survived the worst simply because you folks helped keep our costs down. And anytime we had questions you folks were always there."
Michael Andrews
Our Fast & Easy Process for Lasting Marine Protection
Tell us about your vessel or business.Review Your Options
Speak to one of our agents and get coverage tailored to your needs and budget.Set Sail with Confidence
Enjoy peace of mind with protection built for charter operators and guides.
Frequently Asked Questions
Charter Lakes is a specialist in the marine insurance industry. We have numerous years of experience when it comes to providing you with the proper coverages for your boat. Whether you own a charter boat, a pleasure craft, or a commercial boat for hire we have both the knowledge and experience to meet your needs. We are an industry leader when it comes to marine insurance.
We offer multi-boat and fleet discounts. We may provide discounts for boater safety education course certifications, prior vessel ownership and operating experience, and clean driving records.
Yes, most insurance carriers offer several options to meet your needs. Ask your agent for specific details.
Typically we can bind coverage the same day as you receive your quote, but this may depend on the age of your vessel and the insurance underwriting subjectivities.
Many insurance companies use the 26 feet and less in length to classify a boat and over 26 feet to be classified in their yacht program.
