Airboats are great vessels for both personal and charter use. With their unique, air-propelled design, these crafts are ideal for navigating shallow water, swamps, bayous, and even ice. Because they have a flat bottom and no machine parts beneath the surface of the water, they can skim right along surfaces with ease. To protect this unique investment, it is important to have proper airboat insurance coverage for your boat. Whether you are using an airboat for personal pleasure or for chartering, here are some things to consider when seeking airboat insurance for each usage type.
Personal & Pleasure Airboat Insurance Coverage
Even if your airboat is extremely well taken care of and you are a very safe operator, accidents can still happen. For example, you could hit a log that is sticking out of the water, or you could hit another boat if it turns in front of you suddenly. Further, your airboat can sustain damage from hurricanes, falling trees, or other unexpected events.
For these reasons, it is critical to get quality airboat insurance coverage that can provide protection against these risks. A good airboat insurance policy for personal use or pleasure can provide coverage for physical damage to your boat, medical payments for emergencies, liability, personal property that can be lost or damaged, towing, transport, and other risks. Liability coverage is particularly important if you frequently bring passengers aboard your airboat to protect against passenger injuries on your craft, for which you could be held liable.
Charter Airboat Insurance Coverage
Charter airboats will need much of the same insurance coverage that personal or pleasure airboats will need. For example, charter boats will also need coverage for physical damage, medical payments, liability, personal property, towing, and transport coverage. This is because charter airboats are often exposed to the same or very similar risks as personal airboats.
However, charter boats often carry passengers for hire and are often used for different purposes than personal or pleasure airboats are. This means that your charter airboat marine insurance policy needs to be tailored to your specific needs.
Because more people will likely be on your craft, charter airboat owners will often need a higher limit of coverage for personal property and liability losses. A single boat accident with a dozen passengers on board could injure all twelve passengers. This could easily amount to hundreds of thousands of dollars of losses. If the boat gets submerged during the accident, it could also result in thousands of dollars of personal property losses. Charter airboats are often used for hunting and fishing trips, which involve their own inherent risks. Be sure that you work with your marine insurance agent to tailor your airboat insurance policy to your unique risks.
Find Your Airboat Insurance Policy
Maritime Insurance International can help you find a high quality airboat insurance policy for your pleasure or charter vessel. Contact our marine insurance agents today to get started.