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Recreational Marine Coverage

Providing you with safety at sea and security on shore.

yacht at sunset

Whether you own a runabout, sailboat, or yacht, we know that as you cruise across the open water, you're where you belong. Chubb offers some of the most comprehensive protection and services available, so you can enjoy your time on the water, every time you go out.



We protect your experience on the water.

Your watercraft is more than just a boat. That's why we offer protection that's tailored to your needs at every stage of your experience.

We look for ways to say yes.

When your policy is written, you agree to the value of your boat. If it's damaged beyond repair, we'll write you a check for the agreed amount and waive the deductible.

Extra protection when you need it most.

We offer coverage for injuries you or your guests sustain onboard if you're in an accident with a boat that has limited or no insurance.

The freedom to choose.

We offer a “Select” option with new coverages and higher limits on key coverages, and a single policy option that lets you combine personal watercraft, boats, and yachts of all sizes on a single policy.

You're more than a claim, you're our client.

95% of clients with a paid claim were highly satisfied with their claims experience. * 


*Scores are for paid claims for personal lines and commercial lines combined;  surveys conducted by Chubb averaged over a 5-year period (2017-2021). 



See the Chubb Difference

Watch this short video to see how Chubb kept their client cruising when they experienced some trouble in the water.

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Did you know?


of damage to property as a result of recreational boating accidents in 2020.


of boating accidents occur on clear days with good visibility.


of boating accidents happen on calm days with waves less than 6".

Source: 2021 Recreational Boating Statistics, United States Coast Guard


Experience the Chubb difference

Here are some of the most popular benefits, coverages, and services Chubb has to offer:

  • Chubb looks for ways to prevent damage from happening in the first place. For example, if you need to move your vessel to safety because of an impending hurricane or tropical storm, there’s coverage for those costs.

  • They offer coverage for sinking, collision, fire, demasting, explosion, or stranding that results from causes of loss such as wear and tear, gradual deterioration, and lack of maintenance. This important coverage is often overlooked and may be excluded from standard watercraft policies.

  • Chubb offers replacement cost coverage for personal property for family members and guests aboard with no deductible.

  • They don't exclude coverage for mechanical or electrical breakdown.

  • You agree to the value of your boat when your policy is written. That way, you know how much you’ll get if a total loss occurs.

  • You can combine watercraft of all sizes onto one single policy, and Chubb will automatically cover new watercraft purchases for the first 30 days

  • Chubb provides yacht owners with services like background screenings, travel briefings, and discounted rates on security services at no additional charge.

Do your boating clients have a proper storm prep plan?

Learn how creating a storm plan can help protect boats from hurricanes and major storms.

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Our Flagship Recreational Marine Brochure
Our Flagship Recreational Marine Brochure

Superior protection on and off the water

Whether you own a trawler, runabout, or a motor yacht, or you've been boating for one year or 30, Chubb offers some of the most comprehensive protection and services available.


Coming Out of Lay Up

It’s spring — and time to prepare for boating season. If your boat was in lay-up over the winter, you’ll need to take care of a few things before it’s ready to go. Here are some suggestions to help you make sure your vessel is ready for a successful launch and a safe and relaxing season.

Tip Sheet
Tip Sheet

Coming out of lay-up: Quick reference guide

We offer some of the most seaworthy coverages and services available.

Ask your agent about Chubb Recreational Marine Insurance


We help you stay ahead — and informed — with these helpful articles and resources.

What to Consider When Choosing a Marina, Yacht Club, or Other Facility

Whether you’ve just purchased a boat or yacht or have had one for years, where you keep it when you’re not using it is almost as important as the vessel itself.

The Three “P’s” of Marine Fire Safety

Keep yourself, your family, and your friends safe while aboard your boat or yacht this season by reviewing the three essential “P”’s of marine fire safety.

Your Essential Pre-Departure and Boating Safety Checklist

Before you head out on the water for the first time this season, it’s important to make sure you and your boat are completely prepared.