Personal Boat

Living in beautiful Northern Michigan has provided us the privilege of growing up on the water. Our knowledge not only with boats and the boating lifestyle has given us the unique opportunity to provide insurance coverage that fits with those individuals who share our passion. It also provides us with the understanding of how important it is to properly protect your asset and most importantly, you and your family. For these reasons Fischer Insurance has partnered with the top watercraft insurance providers in the country. Because of this we are confident and you can rest assured that we will offer the best possible options in the insurance market.


Who we can help?

We can offer coverage to a wide variety of boaters, these include:

  • Sailboats
  • Yachts
  • Fishing
  • Runabouts
  • Personal Watercraft
  • Charter/Commercial

Coverage Highlights!

Our scope of coverage includes but not limited to:

  • Physical Damage coverage for your boat at an Agreed Value or Replacement Cost valuation
  • Replacement Cost coverage for your personal items such as fishing equipment, navigation systems, GPS, boat accessories and water toys.
  • $1,000,000 liability limit
  • Cleanup and containment coverage for oil and gas spills that you are liable for.
  • Coverage for extensive navigational waters including the Great Lakes and Oceans.
  • Uninsured Watercraft
  • Medical Payments

Charter or Commercial Watercraft

If you own and operate a boating business such as a Fishing Charter, Cruising Charter or Boat Rental we can help! Our agency can provide you with the knowledge that will provide you with proper coverage with the best insurance carrier. We can help improve your bottom line with a custom charter/commercial boat policy.

Coverage Highlights!

  • Watercraft liability limits up to $1,000,000
  • Pollution Liability
  • Watersport Liability
  • Shoreside Liability Extension
  • Guest Passenger Liquor Liability
  • Premises Liability
  • Slip & Mooring
  • Business Interruption
  • Towing