Boat Insurance

For personal use sailboats and powerboats, there are several types of boat insurance which boat owners should consider:

• Bodily Injury Liability Insurance protects you if you injure someone in a boating accident;
• Property Damage Liability covers damages your boat causes to someone else’s property, such as another boat or a dock;
• Medical Payments Insurance covers injuries to you or to your passenger if injured while boating;
• Comprehensive Coverage covers damage to your boat caused by incidents and factors other than a boating accident, such as theft or a windstorm;
• Collision Coverage covers costs of repairing accident damage to your boat;
• Uninsured Boater/Motorist Insurance helps pay for your damages including injuries, lost wages or loss of life if the other boater lacks sufficient insurance;
• Additional Coverages include repair or replacement of items inside your boat, including fishing equipment or skiing equipment.

Maritime law states that a charter boat operator is liable for all damages deemed caused by negligence. If you own or operate a charter boat and need commercial boat insurance, Pablo Beach Insurance Group offers the following:

• Hull and Machinery Insurance, which covers collision, combustion and sinking damages to your vessel and all parts including the engine, deck machinery and electronic components;
• Protection and Indemnity covers payment to passengers for injuries or for damage to personal property they may have taken onto your vessel;
• Shore Excursion Insurance, covers damages that a passenger may sustain while on a charter trip but not physically on your boat at the time of the injury or damage;
• Crew Coverage, which covers injuries sustained by any crew member while performing duties.

If you are looking for boat insurance, Jacksonville based Pablo Beach Insurance Group has you covered.