Boat & Yacht Insurance
Boat/ Yacht insurance covers your vessel and related equipment kept on board. The policy will also provide liability coverage protection in the event you injure people or damage property in an accident with your vessel. Our agents will review with you the coverage limits and deductible options available. We represent many carriers that write personal and commercial boat and yacht insurance.
Liability to others – including fuel spill liability is intended to cover the amount an “insured” legally must pay as damages because of “bodily injury” or “property damage” caused by an “accident” and resulting from the ownership, maintenance or use of a covered boat or yacht.
Uninsured Boater – Provides insurance coverage for bodily injury caused by an at fault uninsured or underinsured boater causing an accident. This coverage is to protect YOU for bodily injury or property damage that you sustain by the uninsured or underinsured boater.
Medical payments – coverage in a boater’s insurance policy pays for medical expenses resulting from an accident for you and others riding in your boat.
Physical Damage – Yacht/Boat coverage provides insurance to cover damage to your boat from their perils including theft, sinking, stranding, burning, lightening, wave damage and collision with another vessel or object.
Boat traveling across open bay and could not see through a dense fog and struck boat that was anchored and fishing close to shore. Damage to the fishing boat in this accident was $2500.
A boat’s AC line got clogged and continued to run water which fill the boat with water. The boat sank partially under water causing $56,000 in damage to vessel.
Boat was in Gulf of Mexico near shore a fire developed from engine and the occupants bailed out of the boat and the boat burned is a short period of time which caused a total loss $25,000.
Boat on dock lift cable snapped causing stern to go underwater. The engine incurred $30,000 water damage to the engine.