Watercraft

Masterpiece Boat Insurance

  • We offer some of the most seaworthy coverages and services available.

Our new Masterpiece® Boat and Masterpiece Boat Select policies are designed for all types of pleasure boats up to 35’ in length and less, as well as Personal Watercraft (PWCs) vessels like waverunners and jet skis. We provide exceptional boat insurance with tailored protection, competitive rates, along with valuable features to protect both boat owners and their vessels.

Masterpiece Boat and Masterpiece Boat Select - Coverage Highlights

  • Total Loss Settlement: We pay the entire agreed amount, with no deductible, for a total loss. With our Masterpiece Boat Select policy, eligible vessels can receive Replacement Cost coverage up to 120% of the vessel’s insured amount.
  • Partial Loss Settlement: With our Masterpiece Boat Select policy, the repair or replacement of covered property is paid for without deduction for depreciation on most partial losses.
  • Liability Protection: Limits of coverage to suit your personal needs, including: legal defense costs, pollution liability coverage as required by the Oil Pollution Act of 1990, and wreck removal.
  • Medical Payments: Reasonable medical and related expenses are included for all those onboard, boarding or leaving the covered vessel. These benefits are provided on a per occurrence basis. Increased limits are available.
  • Uninsured/Underinsured Boater Coverage: Coverage for bodily injury to persons aboard the insured watercraft who are injured by an uninsured owner or operator of another vessel.
  • Longshore and Harbor Workers’ Compensation Act (LHWCA): When liability coverage is purchased, coverage is automatically provided for those employed aboard the vessel who are within the jurisdiction of the LHWCA.
  • Personal Property & Fishing Equipment Coverage: Protection is automatically included for the clothing, personal effects and fishing gear of the boat owner and their guests. Optional higher limits are available
  • Emergency Towing & Assistance: We automatically include this coverage with optional higher limits available.
  • Trailer Coverage: Trailers are automatically covered up to the policy limit. Increased limits are available.
  • Precautionary Measures: Coverage up to the policy limit for the reasonable costs incurred to haul, fuel, or dock the insured watercraft endangered by a covered peril.
  • Coverage for Marinas as Additional Insured: Marinas, yacht clubs and similar facilities where clients keep their vessels are included as Additional Insureds.

Related Resources

Helpful Tips

To learn more about boating safety, visit www.USCGboating.org.


Disclaimer: This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.