Boat Insurance

Total Loss Settlement

We pay the entire agreed amount, with no deductible, for a total loss. With our Masterpiece Boat Select policy, eligible vessels can receive Replacement Cost coverage up to 120% of the vessel’s insured amount.

Liability Protection

Limits of coverage to suit your personal needs, including: legal defense costs, pollution liability coverage as required by the Oil Pollution Act of 1990, and wreck removal.

Uninsured/Underinsured Boater Coverage

Coverage for bodily injury to persons aboard the insured watercraft who are injured by an uninsured owner or operator of another vessel.

Personal Property & Fishing Equipment Coverage

Protection is automatically included for the clothing, personal effects and fishing gear of the boat owner and their guests. Optional higher limits are available.

Trailer Coverage

Trailers are automatically covered up to the policy limit. Increased limits are available.

Coverage for Marinas as Additional Insured

Marinas, yacht clubs and similar facilities where clients keep their vessels are included as Additional Insureds.

Partial Loss Settlement

With our Masterpiece Boat Select policy, the repair or replacement of covered property is paid for without deduction for depreciation on most partial losses.

Medical Payments

Reasonable medical and related expenses are included for all those onboard, boarding or leaving the covered vessel. These benefits are provided on a per occurrence basis. Increased limits are available.

Longshore and Harbor Workers’ Compensation Act (LHWCA)

When liability coverage is purchased, coverage is automatically provided for those employed aboard the vessel who are within the jurisdiction of the LHWCA.

Emergency Towing & Assistance

We automatically include this coverage with optional higher limits available.

Precautionary Measures

Coverage up to the policy limit for the reasonable costs incurred to haul, fuel, or dock the insured watercraft endangered by a covered peril