Do I need personal-use boat insurance?
Boat owners know it’s in their best interest to protect their investments, their families, friends and fellow boaters. Maritime law states that a charter boat operator is liable for all damages deemed to be caused by negligence.
As a full-service insurance agency, Your Insurance Agency has the insurance policies you need to cover all of the vehicles you may own – including boat insurance.
Be prepared to provide your agent with details such as the age of your boat, what your boat will be used for, and where you plan to operate and store your boat. These are all important variables your agent will consider when helping you choose the most appropriate insurance coverage at the most affordable price, either as a stand-alone policy, or in a package.
If you own or operate a charter boat and need commercial boat insurance, we offer the following:
* Hull and Machinery Insurance: covers collision, combustion and sinking damages to your vessel, and for the engine, deck machinery and electronic components.
* Protection and Indemnity: covers payment to passengers for injuries, or for damage to personal property they may have taken on your vessel.
* Shore Excursion Insurance: covers damages that a passenger may sustain while on a charter trip, but not physically present on your boat at the time of the injury or damage.
* Crew Coverage: covers injuries sustained by any crew member while performing duties.
If the boating season is short or long in your area, insurance companies recognize that factor and offer less expensive rates and policies for a shorter boating season.
This lets you keep your policy in effect all year long, so even when the boat is out of the water and parked, you still have coverage if a tree falls on it, the garage collapses, or in the event of fire, vandalism, malicious mischief theft, and more.
There's nothing like the freedom of being on the open water. From personal watercraft to cruisers, sailboats and more, we can help you select the most appropriate coverage at great rates. Contact us today at (814) 555-5555.