Bodily Injury Liability – Covers medical expenses and lost income if you cause an accident that injures someone.

Property Damage Liability – Pays for damages to another person’s watercraft or property if you cause an accident. Pollution liability coverage and wreckage removal are also included.

Collision Coverage – Covers damage to your watercraft, motor, trolling motor, trailer, and equipment if you collide with another vessel or object.

Comprehensive Coverage – Also known as "other than collision" coverage, this helps pay for fire, theft, storm damage, and other non-collision incidents.

Uninsured Motorist Coverage – Protects you, your watercraft, and equipment if you're in an accident with an uninsured or hit-and-run boater.

Underinsured Motorist Coverage – Covers accidents involving a driver who lacks sufficient insurance to cover damages.

Medical Payments Coverage – Helps cover medical bills for injuries sustained while operating or occupying your watercraft.

On-Water Boat Towing and Labor – Covers towing expenses and emergency services if your watercraft breaks down on the water.

The primary reason for securing watercraft insurance is liability protection. If you are responsible for an accident, your policy can cover medical expenses, legal fees, and property damage repairs.

Additionally, watercraft insurance protects against fire, accidents, and theft. All-risk insurance covers most potential risks, except for specific exclusions like wear and tear or damage from freezing. You can also customize your policy with add-ons to ensure the best coverage for your specific needs.

Yes! Your insurance premium already accounts for seasonal usage, as providers understand that most boaters do not operate year-round. Even when your boat is stored, risks like vandalism, theft, sinking, and weather damage can still occur. Having insurance ensures that your boat remains protected whether it’s at the dock, in storage, or on the water.

As a boater, you have specialized insurance needs. To ensure you have the best protection, we can guide you through various insurance options and help you choose a policy that fits your lifestyle. Contact us today for expert assistance!