Effective Date: December 10, 2024

1. Introduction

At Key West Charter Fishing, the safety and security of our guests, crew, and operations are paramount. To ensure comprehensive protection against potential risks associated with our fishing charters, we maintain a robust insurance portfolio. This Insurance Information page outlines the types of insurance we hold, the coverage provided, and how it benefits our customers and business operations.

2. Types of Insurance We Maintain

• General Liability Insurance

  • Coverage Amount: $1,000,000 per occurrence
  • Purpose: Protects Key West Charter Fishing against claims of bodily injury, property damage, and personal injury that may arise during our fishing charters.
  • Benefits: Provides financial protection in the event of accidents or injuries to guests or third parties, ensuring that legal and medical expenses are covered without impacting our business operations.

• Commercial Boat Insurance

  • Coverage Amount: $2,000,000 total coverage
  • Purpose: Covers damage to our vessel, including hull damage, equipment loss, and liability for any incidents occurring on board.
  • Benefits: Ensures that our vessel is protected against damage from collisions, weather events, and other maritime risks, allowing us to maintain uninterrupted services.

• Workers’ Compensation Insurance

  • Coverage Amount: As required by Florida state law
  • Purpose: Provides medical benefits and wage replacement to employees who are injured or become ill as a result of their job.
  • Benefits: Ensures that our crew members receive necessary medical care and compensation, fostering a safe and supportive work environment.

• Medical Payments Insurance

  • Coverage Amount: $10,000 per person
  • Purpose: Covers medical expenses for guests and crew members injured during our fishing charters, regardless of fault.
  • Benefits: Provides immediate medical assistance and financial support for minor injuries, ensuring prompt care without the need for lengthy insurance claims.

• Property Insurance

  • Coverage Amount: $500,000
  • Purpose: Protects our business property, including office equipment, fishing gear, and other assets, against damage or loss due to theft, fire, vandalism, and natural disasters.
  • Benefits: Safeguards our investment in essential equipment and property, ensuring that we can continue to provide high-quality services without significant financial setbacks.

3. Coverage Details

• General Liability Insurance:

  • Bodily Injury: Covers medical expenses, legal fees, and settlements related to injuries sustained by guests or third parties.
  • Property Damage: Covers repairs or replacements of property damaged during our fishing charters.
  • Personal Injury: Covers claims related to defamation, invasion of privacy, or other personal injuries.

• Commercial Boat Insurance:

  • Hull Coverage: Covers physical damage to our vessel from accidents, collisions, or natural disasters.
  • Equipment Coverage: Protects our fishing gear, navigation systems, and other onboard equipment.
  • Liability Coverage: Covers legal expenses and damages resulting from incidents occurring on board.

• Workers’ Compensation Insurance:

  • Medical Benefits: Covers medical treatment for work-related injuries or illnesses.
  • Wage Replacement: Provides partial wage replacement for employees unable to work due to injuries or illnesses.
  • Rehabilitation Costs: Covers costs associated with rehabilitation and return-to-work programs.

• Medical Payments Insurance:

  • Emergency Medical Treatment: Covers expenses for emergency medical services.
  • Hospital Stays: Covers costs associated with hospital admissions and stays.
  • Medical Supplies: Covers expenses for necessary medical supplies and equipment.

• Property Insurance:

  • Theft Protection: Covers loss or damage due to theft of business property.
  • Fire and Vandalism: Covers repairs or replacements resulting from fire or vandalism.
  • Natural Disasters: Protects against damage caused by hurricanes, floods, and other natural events.

4. Claims Process

In the unfortunate event of an incident requiring an insurance claim, Key West Charter Fishing follows a clear and efficient process to ensure swift resolution:

1. Immediate Action:

   • Ensure the safety and well-being of all guests and crew members.
   • Administer first aid or seek medical assistance as necessary.

2. Report the Incident:

   • Notify the relevant insurance provider as soon as possible.
   • Provide detailed information about the incident, including date, time, location, and parties involved.

3. Documentation:

   • Collect and preserve evidence related to the incident, such as photographs, witness statements, and official reports.
   • Complete any required claim forms provided by the insurance company.

4. Cooperation:

   • Cooperate fully with the insurance provider during the investigation and claims process.
   • Provide any additional information or documentation requested to facilitate the claim.

5. Resolution:

   • The insurance provider will assess the claim and determine the coverage based on the policy terms.
   • Upon approval, the insurance provider will issue payment to cover the damages or expenses as outlined in the policy.

5. Benefits to Our Customers

• Peace of Mind: Our comprehensive insurance coverage ensures that both guests and crew members are protected against unforeseen events, allowing everyone to enjoy the fishing experience without worry.
• Financial Protection: By covering potential damages and liabilities, our insurance policies prevent significant financial burdens on our business, ensuring the continuity of our services.
• Safety Assurance: Our commitment to maintaining high safety standards, combined with our insurance coverage, underscores our dedication to providing a secure and reliable fishing adventure.

6. Compliance with Regulations

Key West Charter Fishing adheres to all applicable federal, state, and local insurance requirements for operating a fishing charter business in Florida. Our insurance policies are regularly reviewed and updated to ensure ongoing compliance with evolving laws and industry standards.

7. Contact Us

If you have any questions or need further information about our insurance coverage, please contact us:

• Email: contact@flyfishkw.com
• Phone: +1 (305) 767-9828
• Address: 5710 US-1, Naval Air Station, Key West, FL 33040, United States

By booking with Key West Charter Fishing, you acknowledge that you have read, understood, and agree to our Insurance Information, which underscores our commitment to providing a safe, secure, and enjoyable fishing experience for all our guests.