On a 36' Luhrs the bilge pumps ARE direct wired and each one has a push button small breaker on the main electrical panel. I have a customer with a 36' Luhrs, it's around a 2006 I think. The refrigerator works from the AC breaker for it, with all of the DC switches/breakers shut off, and no batteries go dead on the boat. However, the generator battery never had a charger connected to it from Luhrs. We added one.