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Coverages Include

Commercial Towing & Assistance

Commercial Towing & Assistance

Towing & Assistance coverage reimburses you for the costs that you incur when you need emergency assistance for your boat, and you and your boat are not in immediate danger. Some examples of emergency services that you may need which may be covered include: towing to a place where repairs can be made; delivery of fuel, oil or parts; assistance in the event of running aground; or emergency labor while underway. Again, there are several different towing policies available so check carefully on what you are covered for. Many towing companies begin charging the customer at the time they leave port, so sometimes it pays to have more coverage as a towing bill can increase quickly.

Crew Coverage & the Jones Act

Crew Coverage & the Jones Act

The Merchant Marine Act of 1920, better known as the Jones Act, allows for injured sailors to make a claim and collect from their employer due to negligence of the boat owner, captain, or other members of the crew.

Longshore Harbor Worker's Compensation Act

Longshore Harbor Worker's Compensation Act

This is a federal act, commonly referred to as USL&H, that provides Maritime Worker's employee benefits similar to the State Workers Compensation Act.  USL&H covers workers employed on navigable waters of the US.  This coverage is also extended to piers, wharfs, docks, port terminals, or any other area customarily used by maritime employees in the scope of their job.

Medical Payments

Medical Payments

A coverage, available in various Liability Insurance policies, in which their insurer agrees to reimburse the Insured and others, without regard for the Insured's liability, for medical or funeral expenses incurred as the result of bodily injury or death by accident under specified conditions.

Navigation Limits & Endorsements

Navigation Limits & Endorsements

All boat insurance policies have a navigational territory. You must stay within the navigational territory to remain covered. You can travel outside the navigation territory if you obtain an endorsement providing permission from the insurance company.

Ocean Cargo

Ocean Cargo

Coverage for international shipments of merchandise.  Coverage exists for standard cargo as well as more complex global transportation accounts.

Oil Spill Liability

Oil Spill Liability

The cost of responding to and cleaning up after a fuel or oil spill can be staggering. Many boaters don't anticipate this issue until their vessel sinks and it causes a spill. Commercial vessels routinely carry this insurance and many recreational boaters have added it as well.

Personal Property

Personal Property

Personal Property coverage covers items such as clothing, personal effects, or fishing equipment belonging to you or your family while those items are being packed on or off your boat, and while aboard your boat. Like physical damage coverage, each company handles personal property differently so it is important to do some research into your policy.

Physical Damage Insurance (Hull & Machinery)

Physical Damage Insurance (Hull & Machinery)

Physical damage coverage generally pays for repairs to your boat that are necessary as a result of damage caused by a wide range of perils. The best policies provide "all risk" coverage, which means that if the cause of loss is not specifically excluded, it is covered. Typical causes of loss that are covered include: weather-related perils such as wind, rain, hail, lightning and wave action; fire; loss or damage caused by theft or vandalism; and collisions with docks, submerged or floating objects or other boats. It is wise to select a policy that continues to cover your boat while it is stored on land, or while you transport your boat over land by trailer. The boat owner has the responsibility to maintain their boat, and so normal wear and tear is often excluded under a boat or yacht policy. The number and type of physical damage exclusions vary from company to company, so take the time to compare to avoid surprises later.

Protection & Indemnity

Protection & Indemnity

Protection and indemnity insurance, commonly known as P&I, is a form of marine insurance provided by a P&I Club. A P&I Club is a mutual (i.e. co-operative) insurance association that provides cover for its members, who will typically be ship-owners, ship-operators or demise charterers. Unlike a marine insurance company, which is answerable to its shareholders, a P&I Club is the servant only of its members. Both P&I Clubs and conventional marine insurers are governed by the provisions of the Marine Insurance Act 1906. Marine insurers provide cover for known quantifiable risks, mainly Hull & Machinery insurance for shipowners, and Cargo Insurance for cargo owners. By contrast, P&I Clubs provide insurance cover for broader indeterminate risks, such as third party liabilities that marine insurers are loath to cover. Third party risks include a carrier’s liability to a cargo-owner for damage to cargo, a ship’s liability after a collision, environmental pollution and war risk insurance; (although some marine insurers are also prepared to cover war risks).

Ship Repairers and Marine Contractors

Ship Repairers and Marine Contractors

Cost effective insurance policies for Marine Contractors that includes Marine General Liability for exposures found in the boating and marine industry.  Minimum premiums starting at $1,190 yearly.

Uninsured Boater

Uninsured Boater

The Uninsured Boat Owners section of the policy provides coverage for injuries caused by an accident that you are entitled to recover from the owner or operator of an uninsured boat or "hit-and-run" boat.

Latest News

USCG and EPIRB’s save lives.

It was another early Friday morning for the crew of a Coast Guard HC-130 Hercules based out of Coast Guard Air Station Elizabeth City, N.C. Fifty-knot winds roared around the airframe while the crew scoured the dark cauldron of 20-foot seas below for a boat.  Rain lashed the plane, reducing visibility to less than a [...]

Yacht Insurance Fraud Case Outcome

Key Biscayne tycoon Nicolas Estrella on Tuesday gave up on his increasingly difficult claim to collect $3 million for the loss of his sunken yacht off the Bahamas more than three years ago. Estrella’s lawyers informed U.S. District Judge Kathleen Williams that they were voluntarily dropping his lawsuit against Federal Insurance Co. because of their [...]