Available for all usages

Physical damage
Pays for repairs or replacement of your boat if it is damaged or stolen. Flexible deductible options are available.

Watercraft liability
Provides protection for legal liability you may have for bodily injury or property damage through ownership, maintenance or use of the vessel.

Pollution liability
Provides coverage for the sudden, accidental and unexpected discharge or spillage of a contaminant from the insured vessel.

Trailer coverage
Coverage for the trailer used to carry the insured watercraft.

Business interruption coverage
When a physical loss to a covered property occurs, it can lead to costly downtime. Business interruption coverage helps marine businesses withstand a covered loss so it is "business as normal."

Watersport liability
Coverage for bodily injury or property damage while the insured vessel is being used for waterskiing, aquaplaning, or any similar sport in which a person(s) or object(s) are being towed.

Premises or slip liability
"Slip & fall" coverage can provide protection for the insured if another person is injured while on the insured's property.

Medical payments
Can help pay for necessary medical treatment resulting from an accident-causing bodily injury to any person while in, boarding or leaving the insured vessel.

Personal property
Provides coverage for personal items not generally required for the safe operation or maintenance of the vessel (i.e. cameras, water-skis, sporting equipment, etc.). Items are covered while aboard an insured vessel or while being loaded or unloaded.

Emergency towing & assistance
Coverage can help reimburse the reasonable cost incurred (up to the limit purchased) if commercial towing assistance is required. Includes delivery of gas, oil, parts or a loaned battery (excluding the cost of items themselves) or emergency labor, while away from safe harbor.

Fishing equipment
Coverage on a primary basis for fishing equipment while aboard the insured vessel or when it is stored in a locked storage facility. Fishing equipment can include gear and equipment used in the legal taking of fish, including rods, reels, lures, rigs, line, tackle boxes and related electronic gear.

Uninsured and underinsured watercraft
Provides coverage for damages an insured person is entitled to receive due to a watercraft accident caused by an uninsured/underinsured vessel.

Crew liability
Provides coverage for the legal liability of an insured to a paid captain or crew member, and for obligations and duties under Jones Act or general maritime law.

Preferred charter (sport fishing only)

• Tournament fee reimbursement – reimbursement for the non-refundable portion of a tournament entry fee
• Referral liability – can cover legal obligations if the insured negligently refers people to another professional charter and they are injured
• Emergency expense reimbursement – coverage for the lodging and transportation expenses due to a covered physical damage loss, while more than 250 miles from mooring location
• Limited commercial fishing – allows usage for limited commercial fishing

Coverages offered vary and may not be available to all risks.