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3 years ago · by · 0 comments

Boat Liability Insurance – Important Coverage for Boat Owners


Taking your boat out with friends and family can be a great way to spend the day. However, even if you are taking every precaution, accidents and injuries can still occur. If you are the owner of the boat, then you can be held liable for such accidents and injuries. For this reason, boat liability insurance is essential coverage for all boat owners.

What is boat liability insurance?

Also known as marine liability insurance and watercraft liability, boat liability insurance covers accidents, injuries, and property damage to third parties. It can also cover legal fees if you are taken to court. Coverage can include:

  • Bodily Injuries. Boat liability insurance can provide coverage for hospital expenses, rehabilitation, and other medical costs.
  • This can occur if you accidentally spill fuel or other hazardous materials into the ocean, river, lake, or another waterway.
  • Property Damage. This can include damage to another boat, dock, equipment, electronic devices, etc.
  • Wreckage Removal. This is the process of removing any sunken debris, or a wrecked boat after an accident. If you were at fault for the accident, you could be legally obligated to pay for the removal of the vessel. This is especially true if the vessel is wrecked in an area with heavy boat traffic.

The Importance of Boat Liability Insurance

In the year 2015, the United States Coast Guard reported that 4,158 boating accidents occurred in American waters. From these accidents, there were 626 deaths, 2,613 injuries, and roughly $42 million in property damage. What this means is that even as boats have been designed to be safer and more technologically advanced than ever before, boating accidents still do occur.

Limits and Other Policies

Marine liability insurance policies typically have limits between $100,000 and $1,000,000. Speak with your marine insurance agent to determine the right level of coverage for your needs. When considering which policy to purchase, be sure to factor in the potential costs of causing damages, injuries or casualties with your boat. These can include but are not limited to medical fees, legal fees, and compensation for damages.

For coverage beyond the standard limits, an umbrella liability policy is a cost-efficient option. As you can guess from the name, these policies cover a broad range of risks with limits reaching up to $10 million. An umbrella liability policy is often bought by those who manage crews or host large events on their boats, as they are exposed to greater risk.

Get a Boat Liability Insurance Quote

Striking a dock or another boat can cause a lot of damage. Always make sure to operate your boat with an appropriate level of care to prevent injuries, property damage, and pollution. Even if you are a highly experienced and skilled operator, accidents can still occur. Because of this fact, you will need to have a great boat liability insurance policy.

At Maritime Insurance International, we offer the best boat liability insurance policies on the market with high limits. Our experienced agents can help you determine the best policy for your needs at the most competitive rates.

Request a quote today.




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Company Information

Maritime Insurance International
3 Lockwood Drive
Suite 302A
Charleston, SC 29401

Mystic, CT Office:
P.O. Box 30
West Mystic, CT 06388-0030

Annapolis, MD Office:
P.O. Box 3505
Annapolis, MD 21403

Wrightsville Beach, NC Office:
530 Causeway Drive, Suite F1
Wrightsville Beach, NC 28480

Contact Details

Phone: 843.606.5270
Fax: 888.482.6844

Monday - Friday: 9:00am - 5:00pm


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Professional, & courteous every time we've spoken. I would highly recommend ​t​his agency for boat insurance.
Carol P.