Boats

— 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