What Kind of Injuries Are Covered by a Boat & Watercraft Insurance Policy?

Owning a boat or personal watercraft brings its share of financial exposure that other policies do not typically address. A homeowners policy may offer limited coverage for smaller vessels, but larger boats and watercraft may require dedicated policies. Injuries on or around the water can involve passengers, guests and third parties, and the costs from those incidents can be substantial.

Watercraft Liability Coverage

If your boat collides with another vessel or strikes a person, the resulting bodily injury claims may be covered up to your policy limits. Your policy can also address legal defense costs if a lawsuit is filed against you. Utah also legally requires liability coverage for many motorized vessels, and lenders and marinas may also impose insurance-related mandates.

Medical Payments Coverage

Medical payments coverage (MedPay) can handle injury-related medical expenses for you and your passengers, regardless of who caused the accident. This coverage may respond quickly, without waiting for a liability determination, helping injured parties receive care without delay.

MedPay can cover emergency treatment, hospitalization and follow-up care following an on-water accident. The coverage amount may vary by policy, so reviewing those limits with your agent is good practice before the boating season begins.

How We Can Help

Contact Stanger Insurance Clearfield LLC  to review your current watercraft coverage or build a new policy around your specific situation. We’ll review your circumstances, including how you use your boat and your risks and exposures, to find a boat insurance policy that fits.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.