If an individual has achieved the aspiration of boat ownership, it is essential to ensure that the investment is adequately safeguarded and maintained. Marine insurance serves to mitigate the risks of accidents, vandalism, and liability claims for boat owners.

Standard boat insurance policies provide coverage for the physical damage sustained by the hull, sails, machinery, furnishings, and other typical equipment due to acts of vandalism, malicious mischief, collision, or sinking. Furthermore, it is recommended that boat owners invest in liability insurance. In this manner, comprehensive coverage is provided for any harm incurred by another vessel, individual, or pier due to an accident attributable to one’s own fault, or through the negligent operation or ownership of the respective watercraft. Capital Partners Insurance Agency, Inc provides insurance coverage for boat trailers, offering protection against physical damage resulting from external factors.

Moreover, boat insurance coverage plans provide alternative forms of compensation liability for injuries sustained by individuals employed by the policyholder who may be working on the insured vessel, but are not considered official crew members. The insurance coverage extends to mechanics, carpenters, painters, and cleaners for any physical bodily injuries sustained while performing work on your boat. However, deckhands and captains are not included in this coverage. In order to qualify for coverage under the stipulations of this policy, individuals must not be in the employ of the boatyard in question and must be subject to the provisions of the federal Longshoremen’s and Harbor Workers’ Compensation Act.

Boat owners may wish to explore additional coverage options such as coverage plans for personal property, coverage plans for fishing equipment, and coverage plans for injuries resulting from an accident caused by an uninsured or underinsured boater. Capital Partners Insurance Agency, Inc provides insurance coverage for various categories of boats. Various types of recreational watercraft, such as bow riders, center consoles, cuddy cabins, walk around, ski boats, pontoons, jet boats, personal watercrafts (including WaveRunners, Jet Skis, and Sea Doos), bass boats, and other fishing boats are commonly utilized for leisure activities on the water. If individuals are uncertain about the category to which their boat belongs, they may seek assistance from one of our personalized insurance representatives to obtain further information in order to accurately determine the classification of their boat for insurance purposes.

Capital Partners Insurance Agency, Inc provides a diverse range of personal boat insurance coverage options tailored to suit the needs of individuals and their families. We extend an invitation to consult with one of our seasoned and knowledgeable personal insurance plan representatives, who will provide expert guidance to assist in determining the most suitable coverage for your individual needs. We are pleased and enthusiastic about addressing any inquiries you may have, and assisting you in securing the optimal, cost-effective boat insurance coverage that caters to your and your family’s needs. Please do not hesitate to contact us at your earliest convenience.