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Umbrella and Supplemental

Image by Cristina Gottardi

Umbrella

Umbrella insurance gives sailboat owners an extra layer of liability protection above their boat, home, and auto policies. If a serious accident—such as a collision or guest injury—exceeds your vessel’s liability limits, the umbrella steps in, often adding $1 million or more in additional coverage. It’s a cost-effective way to protect your home, savings, and overall net worth from large lawsuits that can arise on the water.

Kid on a Sailboat

Supplemental

Supplemental insurance helps fill the gaps your sailboat policy may leave. Accident coverage provides cash benefits for injuries onboard, while personal articles coverage protects high-value items like watches, jewelry, and electronics that may have limited protection under a marine policy. It’s a simple way to protect both you and the valuables that travel with you.

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