A Boat insurance policy can insure you against most risks of owning and operating your boat, its motor, and its trailer — including protection for medical payments and liability lawsuits. Boat insurance can also protect you if you damage another’s boat or injure another with your boat.

Boat liability coverage provides protection for legal liability because of an accident resulting from the ownership, maintenance, or use of your watercraft, including property damage, bodily injury and legal expenses/defense.

Boat medical payments coverage pays medical expenses up to the policy limits for you, your resident relatives, and other occupants of the boat injured by an accident arising out of the ownership, maintenance, or use of the watercraft.