Stay Covered On and Off the Water with Our Best-in-Class Insurance Coverage

Marine Liability Insurance

• Protection and Indemnity (P&I)
  Covers boat owners' liability for bodily injury and property damage (but captain's or crew's liability may be included/excluded)
• Maritime Employers Liability
  Covers employers' liability under Admiralty Law (Jones Act, Maintenance & Cure, etc.) while excluding third-party and Longshore liabilities
• Jones Act
  Allows seamen to sue their employers for negligence in the event of illness or injury sustained in service of the vessel
• Collision Liability
  Covers physical damage to another vessel you might hit
• Towers Liability
  Covers liability to a vessel and its cargo you are pushing or towing
• Hull Damage
  Covers losses to the hull, machinery, and equipment in the vessel in the event of damage or destruction to the ship
• Vessel Pollution
  Covers accidental vessel-related pollution cleanup, OPA and Non-OPA compliance, and optional fines and penalties
• Longshoremen and Harbor Workers Compensation Act (USL&H)
  A federal worker's compensation program that protects dockside workers
• Umbrella (Bumbershoot)
  Extended coverage to cover liability claims exceeding the limits of standard liability policies
• Traveling Workmen
  Covers workmen appointed by the insured for repairing or customizing the ship by considering them as the ship's crew
• Excess Collision
  Added to the P&I policy to cover physical damage you cause to another vessel up to its limit.

Charter Boat Insurance

• Physical Damage
  Covers damage or loss caused to your boat by weather, theft, fire, and collision.
• Personal Property/Fishing Tackle
  Covers fishing equipment and other personal belongings that are stolen, damaged, or lost
• Towing and Emergency Assistance
  Covers the costs of towing your boat and emergency assistance, such as hiring mechanical labor at the place of breakdown and delivery of a battery, fuel, or oil
• Dockside Liability Coverage
  Covers damage to your boat while on the dock and injuries sustained by your passengers on the dock before entering the boat
• Protection and Indemnity (P&I) Liability
  Covers you against liability claims arising from bodily injury and property damage caused by your crew or an accident involving your boat
• Replacement Vessel Liability
  Covers loss or damage to the rental vessels that are used as temporary replacements
• Medical Payments
  Pays medical expenses incurred by you and your fellow passengers after an at-fault boat accident
• Agreed Value
  Pays to repair or replace your boat up to the agreed value, which is the amount decided by you and us while purchasing the policy
• Pollution Liability
  Reimburses accidental vessel-related pollution cleanup, optional fines and penalties, and OPA and Non-OPA compliance
• Charter Legal Liability
  Covers loss or damage to the vessel, cargo on the vessel, and liabilities for inadvertent wrongful release of cargo and salvage contributions
• Shoreside Liability
  Covers your liability when you guide passengers on the beach for nature tours, wade fishing, or shelling