Boats and personal watercraft can be a lot of fun, as well as provide wonderful bonding time with family and friends. They can also cause a significant monetary drain if you don’t have the right personal watercraft insurance. Boats can be damaged by wind, rain, hail, lightning and waves; by fire; by theft or vandalism; by collisions; or during transport. The right boating insurance can protect you from all of these calamities and more.
AGREED VALUE OPTION
Pays the value that you’ve agreed on with the insurance company ahead of time if your vessel is a total loss
UNINSURED BOATER
Provides coverage if you or the guests on your boat are injured as a result of the actions of another boater who does not have boat liability insurance (which is not a mandatory coverage for all boaters)
PROPERTY COVERAGE
Pays for items damaged or destroyed on board a vessel, including tenders, fine art, personal property and furnishings
LIABILITY PROTECTION
Can be customized to meet your needs and may include legal defence costs, pollution clean up and containment, marine environmental damage and wreck removal
EMERGENCY TOWING AND ASSISTANCE
Pays for assistance in the event your vessel is disabled
HURRICANE HAUL-OUT
Reimburses costs incurred to move and store a vessel in order to keep it from being damaged by a named storm
LONGSHORE AND HARBOR WORKERS' COMPENSATION
Covers those employed aboard a vessel who are within the jurisdiction of the LHCWA
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