Insurance for Boats:
Comprehensive Protection in Miami

This is the equivalent of collision and comprehensive insurance for your boat. It pays for the repair or replacement of your vessel, its motor, and permanently attached equipment if damaged by covered perils such as sinking, fire, collision, storms, or theft. We offer coverage based on Agreed Value or Actual Cash Value to suit your boat’s age and type.

This is perhaps the most critical component. Liability Coverage protects you if you are responsible for an accident that causes injury to others or damage to their property (like a dock or another boat). It covers legal fees, settlement costs, and medical payments, safeguarding your personal assets from costly maritime claims.

Just like on the road, not all boaters carry adequate insurance. If you or a family member are injured by an uninsured or underinsured boat operator, this coverage steps in to pay for your medical expenses and other losses. We protect you from other boaters’ negligence.

When you’re stranded miles offshore due to engine trouble or running aground, marine towing is expensive. This coverage reimburses you for the costs of emergency services, including towing to the nearest repair facility, jump starts, and fuel delivery when you run out of gas. Help is always available when you need it on the water.

We include protection for personal items, such as fishing gear, water sports equipment, and expensive electronics (GPS, radar) that are carried on the boat but are not permanently attached to the hull.