Boat Insurance

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What is Boatowners Insurance?

Boat insurance protects a boat, its owner, and passengers in the event of a loss. 

Boat insurance can include all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.

What types of vessels are covered by marine insurance?

What items can be covered with this insurance?The vessels that can be covered include tugs, barges, commercial fishing boats, ferries, charter boats, headboats, and many other commercial vessels. Coverage offered includes Hull & Machinery, Protection and Indemnity, Pollution, Excess, and Worker’s Comp.

What is a special marine policy or certificate of insurance?

Why do I need one?Special Marine Policy and Certificate of Insurance are terms that are used interchangeably in Commercial Marine insurance. These certificates are used when exporters must furnish evidence of insurance to customers, to banks or to other third parties in order to permit the collection of claims abroad. The original and duplicate copies of these forms are negotiable instruments, which will enable a consignee or a bank to make a claim overseas, if the goods are damaged in transit.

What is the Longshore and Harbor Workers' Compensation Act?

The Longshore and Harbor Workers’ Compensation Act (“LHWCA”) is a federal law that provides for the payment of compensation, medical care, and vocational rehabilitation services to workers disabled from injuries on the job and that occur on the navigable waters of the United States, or in adjoining areas customarily used in the loading, unloading, repairing, or building of a vessel. The LHWCA also provides for the payment of survivor benefits to dependents if the work injury caused or contributed to the employee’s death. These benefits are typically paid by the self-insured employer or by a private insurance company on the employer’s behalf. The term “injury” includes occupational diseases, hearing loss and illnesses arising out of employment.

Boating Insurance Coverages

• Liability Coverage - pays for injuries and property damage to others as a result of a covered accident in which you are found to be legally liable. This may include pollution liability and wreckage removal depending on your policy.
• Collision Coverage - pays for damages to your boat, motor, trolling motor, trailer along with the permanent and some portable boating equipment as a result of a covered accident with another boat or object.
• Comprehensive Coverage - covers damages to your boat, motor, trolling motor, trailer and some permanent and portable boating equipment that are the result of events other than collision. For example, this can include damage from fire, theft or storms.
• Uninsured or Underinsured Boater Coverage - Covers the insured for damages and bodily injury that you and any passenger of your boat sustain if injured in a covered accident involving an uninsured or underinsured boater and also in some cases a hit-and-run boater.
• Medical Payments - Cover medical expenses for the treatment of injuries that are incurred by you or your boat passengers while operating or occupying your boat.
• On-Water Towing and Labor Coverage - This coverage option pays for towing expenses and other emergency services up to pre-defined limits in the event your boat becomes disabled on the water.
• Fishing Equipment Coverage - Specific coverage to help pay for damage to fishing equipment while on your insured boat or while being carried onto or off of your insured boat.
• Personal Effects Coverage - pays replacement cost for damages or losses of your personal property while onboard or while being carried onto or off of your insured boat.
  
  Contact us to learn more about the right boat insurance for you.

(985) 643-3304​
303 S. Military Rd. Suite 1
Slidell, LA 70461​
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