top of page

Vessel Protection

Vessel protection is the marine equivalent of a well-rigged boat: it keeps everything secure when conditions change. Whether you’re coastal cruising, island hopping in the Caribbean, or preparing for bluewater passages, the right vessel policy protects not only the hull, but your financial investment, your liability exposure, and your cruising lifestyle.

Hull & Equipment Coverage

This is the foundation of vessel protection. It typically covers physical damage to your boat from perils such as storms, grounding, collision, fire, theft, and vandalism. Coverage can include:

  • Hull and permanently attached equipment

  • Sails, rigging, electronics, and navigation gear

  • Tenders and outboards (with agreed limits)

  • Personal effects onboard

Sailboat Steering Wheel
Marina With Boats

Protection & Indemnity

Liability coverage protects you if you cause damage to another vessel, a marina, or injure someone onboard or in the water. This is critical for:

  • Docking accidents

  • Guest injuries

  • Fuel spill liability

  • Property damage to other vessels

Marinas and foreign ports frequently require proof of liability insurance before granting entry or dockage.

Optional Enhancements

Depending on your sailing plans, you may also consider:

  • Hurricane haul-out reimbursement

  • Racing endorsements

  • Charter use endorsements

  • Personal effects extensions

  • Crew coverage

Sailing Boats Racing
bottom of page