How We Protect You

Our program offers an "all risk" agreed value policy for your classic boat while it is afloat or layed up. Lay-up can be ashore or in-water. Trailerable boats are covered anywhere in the U.S. or Canada. Coverage for transport of larger boats is also available.

The valuation of property is based on "new for old," except for specifically listed items which are subject to depreciation.

• Liability coverage is provided for loss of life, bodily injury and property damage to third parties, with limits available which are set according to your individual needs. This includes the use of non-owned yachts under specified circumstances.
• Protection during restoration or construction is available.
• Uninsured Boaters coverage equal to your liability limit and Medical Payments coverage of $25,000 per injured person is included.
• Personal Effects in the amount of $2,500 for coverage of your personal property and property of others is included in your basic policy. Increased limits are available..
• Longshoremen and Harbor Workers Compensation Insurance is included.
• Commercial Towing and Assistance Coverage (including boat trailer roadside service) is included in case of emergency, up to $500.
• Wreck Removal Expense is covered.
• Accidental oil/fuel discharge clean up coverage is provided up to $800,000.
• Coverage is available for dinghies, outboard motors and boat trailers when scheduled separately. Dinghies are
• Extension of territorial limits can be arranged to suit your navigational needs.
• "Liveaboard" coverage is also available.
• We can provide coverage for additional insureds and vessels owned by corporate entities.

The above are for example only Refer to your policy for specific terms, coverages and conditions.