Watercraft

Specialty Personal Insurance
Niche Specialty Personal Lines products consisting of Manufactured Housing, HO-10 Homeowner, Dwelling Fire, Vacant Dwelling, Motor Home,

Travel Trailer, Watercraft, Motorcycle, Snowmobile and Collector Auto.

Standard & Preferred Personal Insurance
Standard and Preferred Personal Lines products consisting of Package, Automobile, Homeowners, Recreational Vehicle, Motorcycle, Watercraft and

Umbrella.

Commercial Insurance BOP Programs
Niche BOP products that offer unique coverages for the Artisan Contractor, Food Service, Tavern, Convenience Store and Apartment (5+units)

business sectors. Other everyday standard
BOP classes available.

Watercraft

Liability or Full Coverage	Your boat is insured just for liability or you can add comprehensive and collision protection.
Agreed Value or Actual Cash Value	Boats up to 10 years old, settle total loss claims on an agreed value. Boats 11 years or more, settlement is at actual cash value. Boats 3 years or newer can upgrade to a replacement cost valuation.
Medical Payments	Every policy includes $1,000 for medical payments. You can increase this up to $25,000.
Advantage Endorsement	Extra coverage for uninsured watercraft, emergency assistance and towing, non-owned watercraft liability, personal effects.
Yacht Plus Endorsement	Increases the limits of the Advantage endorsement items plus adds trip interruption protection.
Professional Angler Endorsement	Increases the limits of the Advantage endorsement items plus adds tournament fee reimbursement.
Watersport Liability	Liability for water ski, wakeboard or tube-ride activities.
Boat Lift	Can add coverage to protect your boat lift.

"The Specialists In Specialty Insurance"