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843.606.5270
1 year 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

Contact Details

E-mail: info@maritimeii.com
Phone: 843.606.5270
Fax: 888.482.6844

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

Testimonials

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Professional, & courteous every time we've spoken. I would highly recommend ​t​his agency for boat insurance.
Carol P.
Very helpful and easy to work with.
Kevin D.
Excellent and prompt service.
Bruce B.
Terrific custom service and extremely well informed.
Amy D.
Nick does a great job, very responsive service, good products.
Charles C.
Great people, prompt service and they know their policies.
Banff L.
Been with this company since 2011, had one claim and it was settled to my satisfaction very promptly, never had any type of problem. I would highly recommend them based on the service I have gotten from them.
Barry B.
Nick McGinty & his team are top notch. Friendly, responsive, knowledgeable...Recently had an issue that was resolved quickly. They insure both my vessels and highly recommend them.
rlavecchia3
Great service, great prices and flexible pay plans
Alan B.
Easy to do business with. Knowledgeable, and good price comparisons.
Lawrence L.
The personal service and contacts I have with Maritime Insurance make me appreciate their "product" so much more than just sending my premium to some P.O. Box! Good people standing behind their service! Sincerely, Ken Byrd Pres. Charleston Yacht Carpentry Inc.
Ken B.
I have just bought my first big boat! This is a process that requires people who know what needs to happen and helped me to get it done. Insurance is something that we hope never to need but offsetting the risk in a big purchase ...
Patrick M.
MII has been responsive, prompt in follow-up and competitive in cost quotes. Am pleased with their customer service and already have suggested to a colleague to pursue their services.
Dann L.
This company makes super yacht insurance look easy. Very knowledgeable on vessels over 400 GT and they never miss an email. On my size vessel, there is no reason to shop around. Its the relationship with your agent that is imperative and must be seamless.
Tess R.
Maritime's entire team has always been outstanding!
Rich M.
The Maritime office is excellent. Nicky and Angie always send reminders and are extremely friendly and helpful.
Nicholas H.
Maritime has always been very helpful and user friendly. We contact a lot via email and phone and always get a prompt response. Mahalo!
W. "Kainoa" H.
Maritime agent Garrison Rudisill has been great to work with. He was a tremendous help with our hurricane Matthew claim.
Donna P.
Garrison has been very responsive and was always available and helpful.
Frank H.
Angie Fessler at the Maritime office went above and beyond to find us a policy to fit our event schedule. She is a blessing and we will be using you guys again this year.
Susan & Chris L.
I've never had a problem with this insurance and the price was great as well. My local guy, Garrison Rudisill, always answers my questions and helps me with anything I need.
Shin M.
My experience has been very professional and pleasant. They provided me with what I needed.
David S.
Maritime Insurance was very helpful in insuring our first larger vessel. The staff are very knowledgeable!
Joe S.
Working with these folks has been a real pleasure. They are knowledgeable, friendly and responsive. Easy to do business with.
Normand & Paula R.
NICK'S a stand up guy. He explains your coverage in English not in insurance jargon. Very responsive and easily accessible by telephone and via email.
Clay W.
Since day one, they have been there for us and on one particular day we needed them the most, they were there. We enjoy our relationship with the Charleston Team.
Eric R.
I had a serious claim in 2015 while cruising in the Turks & Caicos islands and I got the very best of service even though I was in another country. They stood behind me while my boat was repaired. It doesn't get any better than ...
Paul M.
This is one of the most responsive, helpful companies I have ever felt with. My calls and questions have always been returned with faster than average turnaround. Extremely helpful. Have always met my expectations. I recommend Nick McGinty and this company to all my friends.
Eric B.
Maritime was right on top of my claim and was extremely helpful in participating in getting the correct documents and professionals to back up my claim. Excellent company!!
Steve W.
They helped me with my claim and they always try to get me the best quote highly recommend.
Steve P.
Nick McGinty and his team are top notch people who understand their customers needs and provide quality insurance products in an efficient timely manner.
David F.
They have exceeded all my expectations. We have multiple policies on several properties, prior to insuring through Maritime insurance this was a nightmare keeping track of things, with Nick and crew its a snap. Its like having a full time person on our staff just ...
Bruce
Garrison R. has been fantastic to work with and is an asset to the company!
Tyler S.
Very knowledgeable staff who answered all my questions and the rates I received were far superior to anyone else's.
Brian N.
Very responsive, honest and customer service driven. I was surprisingly impressed and my expectations were exceeded.
Jim T.
Thank you Nick for ALWAYS being on the ball. You guys are great!
Thornton L.
I called insurance companies on a Friday to see who would be most helpful and responsive. Maritime Insurance was the ONLY company ready and willing to take information and prepare a quote. The customer service alone was worth using the company.
Andy D.
Fast prompt service, no hassles.
Bill B.
Great initial coverage policy and excellent follow-up skills for renewal...
Michael H.
Has an awareness of the struggles of a small marine service company.. Did a great job finding affordable policy for our specific needs. Great communication and stays on top of my account concerns.
William W.
Found you on internet. Nick McGintry and Nicky have exceeded my expectations. It's as great genuine and heart felt as the Four Seasons staff. And you were competitive.
Susan A.

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