Boat owner's policies generally provide coverage
for liability, physical damage, and medical
payments.
Physical Damage
Coverage
Provides
protection against damage to the hull, sails,
machinery, equipment and furniture. Protection
is also provided against theft, vandalism, windstorm,
hail, lightening, fire and explosion.
Liability Coverage
Provides
protection against damage to another boat or
dock, and for bodily injury or death to another
person as a result of negligent operation of
the boat.
Medical Payments
Coverage Provides
coverage for “reasonable and necessary” medical
expenses resulting from injuries sustained in
a covered boating accident.
Uninsured Boaters'
Coverage Provides
compensation to the insured for any injury caused
by an uninsured boater.
