Boat & Watercraft Insurance

Comprehensive Protection: The Core of Your Policy

A professional watercraft policy is designed to address common risks faced by boaters. Many policies include:

• Physical Damage & Comprehensive Coverage:
  Helps protect your vessel against collision losses and many non-collision incidents such as fire, lightning, theft, vandalism, and storm-related damage.
• Liability Coverage (BI/PD):
  If you’re responsible for an accident, liability coverage can help pay for bodily injury to others and damage to their property. Many policies also include (or can be endorsed for) wreck removal, salvage recovery, and legal defense costs.
• Environmental Safeguards:
  Some higher-quality policies include fuel spill liability. If a damaged boat leaks oil or fuel, cleanup costs can be significant—this coverage helps prevent paying those expenses out of pocket.

Beyond the Basics: Specialized Add-Ons

To match coverage to your lifestyle, consider enhancements like:

• Uninsured/Underinsured Boater Protection:
  Helps pay for medical expenses and repairs if you’re hit by a boater without sufficient insurance.
• On-Water Towing and Assistance:
  Mechanical failure miles from shore can be expensive fast. This add-on can cover emergency towing, fuel delivery, or jump starts—often with minimal out-of-pocket costs at the time of service.
• Personal Effects & Specialized Equipment:
  Protects certain items not permanently attached to the vessel—such as fishing tackle, dive gear, portable electronics, and other valuable equipment (subject to limits).

Why Act Now?

Whether you own a personal watercraft, a fishing boat, or a family cruiser, the right insurance plan is your best defense against the unpredictable nature of the water. Protect your financial future and your vessel so you can stay focused on the seasons ahead.