Seahorse Underwriters
Comprehensive Boat Insurance
Seahorse Underwriters offers our customers and agents agreed value policies underwritten by A-rated carriers. We have the ability to quote and bind within minutes and pride ourselves on ourprompt, professional, and courteous service. We provide coverage on a wide range of hull values from $5,000 to $30,000,000. Whether you’re a broker, private pleasure boat owner, or professional fishing guide, we can help you find the right coverage.
Coverage Highlights
If you don’t have a separate boat or private watercraft insurance policy, you’re probably underinsured. Most homeowners insurance policies have size restrictions, limitations on horsepower, and limits on damage coverage for watercraft. We can customize a policy for you that includes:
- Liability coverage, which protects you against damage to others or their personal property
- Collision coverage to protect you against accidents with underwater objects and other watercraft
- Medical payments for accident-related injuries
- Damages to any accessories, such as personal items or fishing equipment
- Uninsured boater liability, which protects you if you’re in an accident with a boater who has no insurance
- Total loss replacement if your boat is destroyed
- Towing for your damaged boat
- Emergency expenses to cover temporary living expenses
- Fire and theft coverage for your watercraft contents
Plus:
- Competitive rates
- Coverage for individuals, partnerships, and/or corporate/business owners
- Hurricane safe harbor reimbursement
- On-the-water towing
- Bahamas and Mexico coverage available also
Professional Fishing Guide Program
The Seahorse Professional Fishing Guide policy is available to serious anglers who need comprehensive coverage. Whether you operate a full-time or weekend-only guide service, this program provides coverage that fits your needs. Coverage features include:
- Agreed value paid on total loss—no depreciation
- Liability for you and your crew
- Expedited claims service for striking a submerged object
- $5,000 Fishing Equipment Coverage included
- $1,000 Towing and Roadside Assistance Coverage included
- Dockside Liability
- Tournament Fee Reimbursement
- Uninsured Boater Liability
- Medical Expenses Coverage
- Covers charter fishing with a maximum of six passengers and includes private pleasure coverage for the owner
Request a Fishing Guide Quote: 800-277-6698
- Temporary substitute boat liability coverage provided if the boat is out of service for repair or maintenance
- Includes coverage for the transport of paying customers to duck blinds and hunting camps
- United States Federal Longshore & Harbors' Compensation coverage included
- Wreck Removal Coverage
- Includes coverage for personal use and tournaments
How to File a Claim
General Instructions
Please take the following steps or your claim could be denied:
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Immediately report all accidents/claims to Seahorse Underwriters or your insurance company directly.
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Take all reasonable steps to protect the boat from further damage.
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Do not start permanent repairs or dispose of damaged parts until the insurance company can inspect the damage.
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Refer to your policy booklet to comply with any other requirements specified by your insurance company.
To File a Claim
- By phone: Call 800-277-6698, Monday-Friday from 8:00 a.m. to 4:45 p.m. Central time
- After hours emergency line:
- Atlantic Specialty policyholders: 866-253-0325
- American Modern Home/American Southern home policyholders: 800-375-2075
Ready to Get Started?
Our approach begins with understanding your needs and goals.