Overview of the Program From Maritime Program Group
Charter Boats come in all shapes and sizes and are involved in a broad spectrum of aquatic activities. Fishing guides, whale watching, sport fishing, sightseeing excursions and even burial-at-sea services are common across the charter boat industry. Maritime Program Group (MPG) offers a dedicated Charter Boat Insurance program designed for agents who need reliable, specialty coverage for their marine clients. MPG provides Protection & Indemnity plus related coverages tailored to commercial passenger and excursion operations of varying sizes.
Ideal Accounts and Appetite
MPG is positioned for a wide range of charter operations. Typical accounts that fit well include:
- Fishing guides and sport-fishing charters
- Whale-watching and wildlife tour vessels
- Sightseeing and excursion operators
- Small guide boats through multi-passenger excursion vessels (including operations up to ~100 passengers)
- Specialty services such as burial-at-sea providers
If you have a client with a charter operation that needs tailored protection — from single-operator boats to larger passenger vessels — MPG’s underwriting team can guide placement decisions. For borderline or higher-exposure risks, contact MPG to discuss appetite and available terms.
Coverage Highlights and Advantages
Under the Charter Boat Insurance program, MPG offers comprehensive coverages commonly required by charter operators, including:
- Protection & Indemnity (P&I)
- Fuel spill liability
- Personal effects coverage (including fishing gear)
- Medical payments
- Towing and emergency services
- Mechanical breakdown (not excluded)
- Optional shore-side liability, Jones Act crew coverage, and breach of warranty endorsements
These coverages are structured to address the primary exposures charter operators face: passenger liability, crew exposures, pollution/fuel spill, loss or damage to customer property (fishing gear, personal items) and emergency response costs.
Underwriting Notes and Minimum Premiums
MPG underwriters work directly with agents to evaluate vessel type, passenger capacity, navigation limits, crew certifications, safety equipment, loss history and intended use. Minimum premiums and specific terms vary by account and state; please note minimum premium: Varies. Provide detailed submissions (operators’ experience, safety procedures, route/nav areas, maintenance records) to obtain the most competitive and accurate indications.
Territories and Availability
This program is available across the states listed below. MPG operates as a Managing General Agency and places business with various carriers.
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Why Work With Maritime Program Group on Charter Boat Business
MPG combines focused marine underwriting with practical, hands-on trade experience. Key strengths agents rely on:
• Work and negotiate directly with our in-house underwriters who have unmatched experience and hands-on trade experience.
• Policies and endorsements are issued directly by MPG.
• Remarkable service, proactive communications and timely responses.
• Instant quotes, online applications, commission reports, endorsement reprints and more.
• Direct billing.
• Competitive commission schedules.
• Dedicated in-house claims unit.
MPG is structured to provide fast, practical solutions for agents who place marine charter accounts. You’ll have access to underwriters familiar with the unique operational and liability issues of passenger and excursion boats, with policy forms and endorsements issued directly by the program.
Example scenarios you might place with MPG:
- A family-owned sport-fishing charter with two licensed captains operating coastal day trips and seeking P&I, fuel spill and personal effects coverage.
- A regional whale-watching operator carrying up to 50 passengers on day excursions, needing passenger liability, towing & emergency services and optional crew coverage.
Don’t hesitate to call MPG at (800)366-8086 or visit our website
www.maritimepg.com for all your
Charter Boat Insurance needs!
Frequently Asked Questions
What types of charter accounts are a good fit for this program?
MPG targets fishing guides, sport-fishing charters, whale-watching, sightseeing and excursion vessels, and similar passenger-carrying operations from small guide boats to larger excursion vessels. Provide details on passenger capacity, routes, crew credentials and maintenance for the best assessment.
Which coverages are commonly included or available as endorsements?
Core protections include Protection & Indemnity, fuel spill liability, personal effects (including fishing gear), medical payments, towing and emergency services. Shore-side liability, Jones Act crew coverage and breach of warranty endorsements are also available.
How should I submit a risk for consideration?
Submit a complete package with vessel details, passenger capacity, navigation limits, operator experience, safety procedures and loss history. That allows MPG underwriters to provide faster, more accurate indications and tailored terms.
Need help placing an account? Connect with a market specialist.