Sport Fishing Boat Insurance

Enjoy your time on the water without worry.

Enjoy your day on the water. We'll Handle the Insurance.

Owning a fishing boat isn’t just about getting from point A to point B, it’s about the thrill of the chase, the quiet of early mornings on the water, and the memories made with every trip. Your boat is a vital part of your lifestyle and a meaningful investment worth protecting.

At Great Lakes Marine Insurance, we know how much your fishing boat means to you. Whether you’re heading offshore for a big catch or enjoying a calm afternoon with family, our fishing boat insurance is designed to give you reliable protection and peace of mind. We make the process simple and straightforward, so you can spend less time worrying about coverage and more time focusing on the joy of the open water.

What Makes Fishing Boat Insurance Unique?

Insuring a fishing boat comes with unique considerations that differ from other types of watercraft. Factors such as the boat’s design, the storage and value of fishing gear, and the onboard equipment all play a role in determining the right coverage. The type of fishing you enjoy—whether recreational outings or competitive tournaments—along with where you boat, how often you use your vessel, and the risk of gear loss or theft, also influence your policy. Because fishing boats often operate in remote areas and carry specialized equipment, having a tailored insurance plan is essential to ensure you’re fully protected.

Sport Fishing Boat Coverage Options

  • Liability
    Accidents on the water can happen when you least expect them. If you accidentally damage another boat or someone is injured, liability insurance is there to protect you. It covers the costs of damages and injuries you are legally responsible for, giving you peace of mind so you can enjoy your time on the water without worry.

  • Comprehensive
    Some risks are beyond your control—like fire, theft, or vandalism. Comprehensive coverage protects your boat from these unexpected events, whether it’s on the water or stored away. Collision coverage ensures you’re covered if your boat strikes another vessel, dock, buoy, or other object, helping you handle repairs or replacements with confidence.

  • Uninsured/Underinsured Boaters
    Not every boater has the right coverage, but you don’t have to pay the price for their mistakes. If another boat collides with you and the owner has little or no insurance, uninsured/underinsured boater coverage steps in. It helps cover repair costs and medical expenses, giving you an extra layer of protection so you can focus on enjoying the water.

  • Medical Payments

    Boat insurance isn’t just about protecting your vessel—it’s also about keeping you and your passengers safe. Medical payments coverage provides financial protection if someone onboard is injured, covering expenses regardless of who is at fault.

  • On-Water Towing
    If your boat breaks down or becomes disabled, towing coverage ensures you’re not left stranded. We’ll cover the cost of on-water towing up to the limit you choose, so help is always within reach.

  • Fishing Equipment
    From fishing gear to electronics and other personal items, what you bring on board matters. If your belongings are damaged in a covered accident or go missing, you’re protected. We’ll reimburse you for replacements, with coverage limits up to $10,000.

    *We also provide Roadside Assistance, Boat Rental Reimbursement, and coverage for your

    personal belongings.

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