For Charter Captians the best Insurance is through Parsons & Toony Agency in Syracuse, NY they use ACE Insurance Co. I pay $523 a year for 1 Million Liability & $200,000.00 Medical per Person on my vessel, Full Replacement Cost of my 1999 Tracker Targa 2000 21 ft glass boat with Mercury 250 hp & Honda 15 hp, $10,000.00 equipment and $3500.00 for boat trailer.Billed over 6 payments as well.