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If you have been able to fulfill your dream of owning a boat, the last thing you want to do is leave your new dream to chance. Boat insurance can help protect you against accidents, vandalism, and liability claims.

Typical boat insurance plans offer coverage for physical damage done to the full, sails, machinery, furnishings, and other typical equipment, as a result of vandalism, malicious mischief, collision, or sinking. In addition, boat owners should purchase liability insurance. That way, you are covered for damage to another boat, person, or dock as a result of an accident that was your fault, or negligent operation or ownership of your boat. At BIA Insurance Agency, we also offer insurance for your boat trailer for any physical damage from external causes.

Finally, boat insurance coverage plans offer options for compensation liability for injury to persons employed by you who may work on your boat but are not crew members. Mechanics, carpenters, painter, and cleaners are all covered for any physical bodily injury they may incur while working on your boat, but deckhands and captains are not. To be covered under this policy, they cannot be employed by your boatyard, and the federal Longshoreman’s and Harbor Workers’ Compensation Act must apply to them.

Additional coverage options that boat owners may want to consider are coverage plans for personal property, coverage plans for fishing equipment, and coverage plans for injuries you may sustain from an accident caused by an uninsured or underinsured boater. BIA Insurance Agency offers insurance coverage for the following types of boats. Bow riders, center consoles, cuddy cabins, walk arounds, ski boats, pontoons, jet boats, personal watercrafts (WaveRunners, Jet Skis, or Sea Doos), bass boats, and other fishing boats. If you are not sure which category your boat falls under, one of our personal line insurance representatives will be happy to provide you with more information, so that you may properly classify your boat for insurance purposes.

Here at BIA Insurance Agency, we offer a wide variety of personal boat insurance coverage options for you and for your family. One of our experienced and knowledgeable personal insurance plan representatives will be happy to assist you and to help you determine what type of coverage is best for you. We are happy and eager to answer all of your questions, and to help you find the best, most affordable and extensive boat insurance coverage for you and your family, so give us a call today.

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