Marine Coverage

Providing you with safety at sea and security on shore.

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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.

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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.

Automatic coverage for a new boat.

Your newly-acquired watercraft is automatically protected, as long as you let us know about the purchase within 30 days.

Did you know?

recreational boating accidents

of damage to property as a result of recreational boating accidents, in 2019 alone.

recreational boating accidents

of boating accidents occur on clear days with good visibility.

recreational boating accidents

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

Source: 2020 Recreational Boating Statistics, United States Coast Guard

Let us raise your

A claim with Chubb means
you'll get the help you need.

Quick tow to shore

Within the first six hours of a long-awaited vacation, a Chubb client's boat landed on a bed of limestone rock, leaving them stranded in deep water nearly 20 feet from the marsh. Their first call was to Chubb, who quickly coordinated with a local towing company to take them to shore. From there, Chubb worked with the surveyor to get their boat back home and make sure they could get back to enjoying life on the water.

Rescue over the holiday weekend

A Chubb client was spending time on his boat over the Thanksgiving holiday when, late into the night, the boat started to take on water. After getting him safely to shore, Chubb walked him through next steps to raise his boat and save his belongings. The next day, Chubb arranged for a surveyor to inspect his boat, staying in touch throughout the holiday weekend.

Experience the
Chubb difference

At Chubb, we're always looking for ways to do more for our clients. The chart below shows the level of protection you can expect when you're a Chubb client.

with Chubb
Automatic coverage for operating non-owned (borrowed) boats*
30-day automatic coverage for select newly-acquired boats
Medical payments provided on a per-occurrence basis
Salvage costs paid up to, and in addition to your boat's property damage coverage limit
Marine Environmental Damage coverage provided up to your liability limit, along with $10,000 in coverage for fines and penalties
Search and Rescue and Emergency Services coverage up to $10,000 in expenses for a government unit such as the United States Coast Guard (USCG) who provides emergency aid and assistance
Coverage for personal property, such as cell phones, computer hardware and software, sporting equipment, and even sunglasses and eyeglasses, while onboard your vessel
Captain and Crew covered for liability while operating the vessel
Liability coverage to suit your personal needs, including: legal defense costs, pollution liability coverage as required by the Oil Pollution Act of 1990, Jones Act, and wreck removal
Coverage for precautionary measures to move your boat to safety in the event of an impending storm, or if there's a fire in your marina
Coverage for dinghy/tender if you need to moor offshore and use a smaller boat to get back and forth

* Subject to the policy's limits

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.

Our Flagship Recreational Marine Brochure

Coming into Lay Up

Once a summer ends, many boat owners across the country will begin to prepare their vessels for winter storage. To help you with this important lay-up process, we're sharing our "Going Into Lay-Up" tip-sheet, along with our full length "Going Into Lay-Up" brochure.


Tip Sheet

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

6 knots to know

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. Visit for our complete collection of tips and articles.

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