Boat Insurance

Fundamental Boat Coverages You Should Consider

Bodily Injury Liability

Bodily Injury Liability covers injuries to another driver, passenger or pedestrian in an accident where you’re at-fault.

Property Damage Liability

This coverage pays for damage you cause to a third party boat, dock or other structures.

Hull Coverage

Hull Coverage pays to repair or replace your boat, trailer or attached equipment due to damage from reasons other than a boating accident. This includes theft or vandalism.

Optional Coverage

• Medical Payments – pays the medical expenses for those on your insurance policy and other passengers on the boat regardless of fault.
• Uninsured Boater – covers your injuries if you are involved in a boating accident with an uninsured or under-insured operator who’s at-fault.
• Equipment Coverage – reimbursement for the costs of replacing equipment on your boat such as electronics, fishing and ping gear that is stolen or damaged by a covered hazard.
• Emergency Towing – reimbursement for towing expenses due to a breakdown.
• Cleanup Coverage – available for larger vessels and pays for oil and wreckage cleanup after an accident.

It’s important to discuss your needs with a Workers Insurance agent before purchasing boat insurance so they can help you determine what you need.