We provide exceptional boat insurance with tailored protection, competitive rates, along with valuable features to protect both boat owners and their vessels.
— 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.
— 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.
— 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.
— 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.
— 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.
— 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.
— 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.
— Emergency Towing & Assistance
We automatically include this coverage with optional higher limits available.
— Trailer Coverage
Trailers are automatically covered up to the policy limit. Increased limits are 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
— Coverage for Marinas as Additional Insured
Marinas, yacht clubs and similar facilities where clients keep their vessels are included as Additional Insureds.
75% of boating accidents occur on clear days with good visibility.
Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.