Boat Insurance

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Classic Boat Insurance
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Protect Your Passion on the WaterBoat Rental & Lease Coverage

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Protect Your Fleet, Your Business, and Your Guests

We understand that boat rental is more than a business—it’s an experience built on trust, safety, and smooth sailing. Our Boat Rental & Lease Coverage ensures your operation stays afloat, with comprehensive insurance designed specifically for rental and leased watercraft.

Owning a bass boat is more than just having a vessel—it’s about enjoying your fishing trips, weekend adventures, and the freedom of open waters. But just like cars, boats face risks, from accidental damage to theft and liability claims. That’s where Bass Boat Insurance comes in.

 

Why Choose Coverage Tailored for Boat Rentals & Leases?

Running a boat rental or lease business comes with unique risks—unforeseen accidents, environmental exposures, third-party claims, and vessel damage can disrupt operations and harm your bottom line. Specialized rental coverage helps you:

  • Mitigate Risk: Enjoy built-in liability protections for injuries, property damage, or environmental incidents.

  • Safeguard Your Assets: Protect hulls, motors, and equipment from theft, collisions, weather damage, or vandalism.

  • Maintain Business Resilience: Bounce back from unexpected interruptions with Business Interruption protection.

  • Expand Your Peace of Mind: Optional umbrella or “Bumbershoot” coverage gives you higher liability limits than standard policies.

Coverage Options Available

We work with top providers, including Boat US Insurance Company, Travelers Boat Insurance, Auto Owners Boat Insurance, and more to offer:

  • Liability Coverage – Protects you if you cause injury or damage to others.

  • Physical Damage – Covers repairs or replacement if your boat is damaged.

  • Medical Payments – Pays medical expenses for injuries to you or your passengers.

  • Uninsured/Underinsured Boater Coverage – Protection from those without proper insurance.

  • Emergency Assistance – Towing and roadside help for your trailer.

We can even insure older boats with specialized coverage, so you’re never left unprotected.

Specialized Add-Ons for Smart Operators

  • Customize your coverage to reflect your business model and operational needs:

    • Pollution & Fuel Spill Liability — For environmental protection and regulatory compliance.

    • Medical Payments & Liability for Renters — Covering injuries to renters or third-parties without litigation.

    • Peer-to-Peer Lease Coverage — If you facilitate peer-to-peer (P2P) rentals, ensure your policy addresses both owner and renter liabilities.

    • Damage Protection Plans — A low-cost option you can offer renters for reduced liability on equipment damage—boosting revenue and satisfaction.

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What Does Boat Insurance Cover?

Boat insurance covers your vessel against damage, theft, and liability for accidents on the water.

All-Risk Boat Insurance

All-Risk Boat Insurance

All-Risk Boat Insurance provides broad coverage for most types of accidental loss or damage to your boat.

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Physical Damage Coverage

Physical Damage Coverage

Physical Damage Coverage protects your boat against repair or replacement costs from accidents, storms, theft.

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Theft & Vandalism Coverage

Theft & Vandalism Coverage

Theft & Vandalism Coverage protects your boat against losses caused by stealing or intentional damage

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Speedboat Insurance

Speedboat Insurance

Speedboat Insurance protects your high-performance vessel against damage, theft, and liability for accidents.

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Charter Insurance

Charter Insurance

Complete protection for charter boats, including passenger liability.

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Sailboat Insurance

Sailboat Insurance

Specialized coverage for luxury Sailboat, with options for global navigation.

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Fleet Insurance

Fleet Insurance

Cost-effective policies for multiple vessels under one plan.

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Third-Party Liability

Third-Party Liability

Enhance your coverage with add-ons like towing assistance, personal accident cover.

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Protect Your Boat, Protect Your Lifestyle

From serene lake cruises to high-speed ocean adventures, we ensure your vessel is covered anywhere you go. Our partnerships with top-rated marine insurance companies mean you get the most reliable protection at the best rates.

FAQs About Boat Insurance

Yes, some providers have owners age restrictions for boat insurance, but we work with multiple companies to ensure coverage is available for most age groups.

 

The cost varies depending on your boat’s value, usage, and location. We can provide a free boat insurance estimate to help you budget.

 

Yes, Auto Owners Boat Insurance is well-rated for customer service and claims handling, making it a solid choice for many boaters.

 

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