Providing Liability Insurance for the “6-pack” or “Charter Boat Captain’s License”

The Coast Guard Auxillary defines the “6 Pack License” as follows. “This license is properly termed “Operator of Uninspected Passenger Vessels” (OUPV) and is commonly referred to as the “6-pack” or “Charterboat Captain’s License”. The word “uninspected” means that the equipment required and the design of the boat are less regulated. “6-pack” refers to the 6 passenger limitation placed on the license. OUPV licenses are issued with a particular route. Your license can be for the Great Lakes, Inland routes meaning bays, sounds, rivers, lakes, etc. of the US or Near Coastal routes out to 100 miles offshore. All OUPV licenses are for 100 Gross Tons vessels (about 100 feet, more or less). The OUPV license may be upgraded to a Master license.”

In a nutshell, the 6 Pack Liability Insurance is typically provided under a “Charter Boat Policy”.  The policy language specifically addresses chartering, clients and crew.  Read your policy….they are not all alike.  The Hull and Liability Insurance typically follows the boat, not the Captain.  If a 6 Pack Captain contracts to be the captain of a non-owned vessel, the Yacht Insurance Policy for the non-owned vessel should be amended to include crew coverage for one or more and endorsed for charter.  This process and the resulting policy endorsement language may be different from policy to policy.  Scuba diving, snorkeling, parasailing, and similar activities are typically excluded,  but may be endorsed to the policy.

Let us quote your Charter Boat Policy ….We will make sure that you have the correct coverage.  Call SWFL Insurance Agency, Inc. at 239-265-9577 or email Info@swflagency.com to request an application.