Navigate open waters

with solutions built for smooth sailing

Tailored marine protection designed to cover your vessel, liability, and passengers on the water.

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Watercraft We Help Protect

  • Fishing Boats

    From early morning casts to tournament weekends, get specialized coverage for your hull, gear, and high-tech navigation equipment.

  • Pontoons

    Built for family, friends, and the ultimate lake day. We’ll protect your floating living room and liability so you can focus on hosting.

  • Ski & Wake Boats

    Get comprehensive coverage engineered specifically for wakeboarding, tubing, and specialized towing liability.

  • Personal Watercraft

    Fast, nimble, and pure fun. Stay protected against accidents, injuries, and on-the-water mishaps without wiping out your budget.

Understanding Your Boat Coverage

Insurance shouldn't feel like unchartered waters. Explore the standard watercraft coverages below, then let's customize a policy that perfectly fits your boat and budget.

  • Accessory & Equipment

    What it does: Protects the expensive gear that isn't permanently attached to the boat itself.

    Why you need it: Standard policies often exclude or limit coverage for loose items. This covers your high-end fishing rods, electronic fishfinders, wakeboards, life jackets, and custom marine audio towers if they are damaged or stolen.

  • Liability

    What it does: Covers bodily injury and property damage to others if you are at fault in an accident.

    Why you need it: If you accidentally hit another boat, a dock, or a swimmer, this pays for their medical bills and repairs—and helps protect your personal assets from a lawsuit.

  • Uninsured & Underinsured

    What it does: Protects you and your passengers if you are hit by a boater who has no insurance or doesn’t carry enough coverage to pay for your injuries or damages.

    Why you need it: Many boaters carry zero insurance. This ensures you aren't left holding the bag for someone else's negligence.

  • Comprehensive

    What it does: Covers damage to your boat from non-collision events out of your control.

    Why you need it: Your boat needs protection even when it's parked. This covers you against theft, vandalism, fire, storm damage, or mishaps while your boat is sitting on its trailer or tucked away in storage.

  • Collision

    What it does: Pays to fix or replace your boat if it's damaged in an accident with another watercraft or an object.

    Why you need it: Whether it's a collision with another boat on a crowded Saturday or hitting a submerged log or rock just under the surface, this gets your vessel repaired and back in the water.

  • Medical Payments

    What it does: Covers necessary medical expenses for you and your passengers if you are injured in a boating accident, regardless of who caused it.

    Why you need it: It provides quick, hassle-free coverage for immediate medical treatment, ambulance rides, or co-pays right when an accident happens.

  • Fuel Spill Liability & Wreck Removal

    What it does: Covers the massive legal and environmental costs of clean-up if your boat leaks fuel, as well as the cost to legally retrieve a sunken or stranded vessel.

    Why you need it: An accidental fuel spill or a sunken boat can result in thousands of dollars in government clean-up fines and salvage fees. This protects you from those devastating out-of-pocket costs.

  • Roadside Assistance & On-Water Towing

    What it does: Provides 24/7 emergency towing and assistance whether you are stranded out on open water or break down on the highway while trailering your boat.

    Why you need it: From a dead battery on the water to a blown trailer tire on the road, this ensures help is always a phone call away without a massive out-of-pocket bill.

Bundle & Save

We’ll help make sure your coverage & discounts are working together.

LET'S REVIEW YOUR COVERAGE

  • BUILT AROUND YOU

    We design custom portfolios tailored to your specific lifestyle and risks, rather than forcing you into a cookie-cutter policy.

  • REAL SERVICE

    Skip the automated phone trees. Enjoy direct access to a local, trusted advisor who proactively manages your protection.

  • ZERO GUESSWORK

    Insurance shouldn't be a mystery. We break down the complexities, so you fully understand your coverages and exclusions.

  • REAL OPTIONS

    As an independent brokerage, we leverage our network of top carriers to secure premium protection at competitive rates.

01
Tell Us About Your Needs

02
Review Coverage Options

03
Choose Your Solution

Frequently Asked Boat Questions

  • It depends on your state and lender requirements, but coverage is strongly recommended to protect against liability and damage.

  • Yes, coverage can apply while your boat is stored, docked, or being transported, depending on your policy.

  • Medical payments coverage can help cover injuries to you and your passengers.

  • Basic policies may include limited coverage, but higher value gear often needs additional protection.

    Especially important for serious anglers.

  • Sometimes trailers are included, but often the need to be listed separately, or added to your policy.

    We’ll make sure everything is properly covered, not assumed.

  • Policies may include navigation limits (lakes, rivers, coastal areas).

    We’ll make sure your coverage matches where you actually use your boat.

  • Coverage may extend to other operators, but it depends on your policy and who is using the boat.

    It’s important to know who’s covered before handing over your keys.

  • Yes. Comprehensive coverage typically helps protect against storms, wind, hail, and other weather related damage.

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