Boat Liability Coverage

You are likely required to carry some type of liability insurance when you operate a boat or personal watercraft. There are several types of boat liability coverages you can choose for your custom boat insurance policy from KADAIR Insurance, which are explained below.

Liability insurance for boats

Bodily Injury and Property Damage Liability

Bodily injury and property damage liability (BI/PD) insurance covers your legal liability for an accident, up to the amount of the liability you choose. Liability insurance will not protect your boat, but it will cover damages you may cause to third parties, either in property damage or bodily injury.

Your insurance policy will cover the cost to repair or replaced damaged property, as well as other damage you are legally responsible for, such as medical bills and lost wages suffered by an injured person as a result of an accident.

BI/PD coverage may be purchased with individual limits or a combined single limit. Boat BI/PD coverage limits are available up to $500,000 for Combined Single Limits. If you want individual limits, you can choose various levels.


As an example, you may choose individual limits of 15/30/10, which means:

  • Up to $100,000.00 would be paid per person for bodily injury
  • Up to $300,000.00 would be paid per accident for bodily injury
  • Up to $50,000.00 would be paid per accident for property damage
Boat Liability Coverage

Fuel Spill Liability Coverage

You may also choose to have fuel spill liability, or pollution liability, coverage added to your boat insurance policy. Fuel spill liability will cover unintentional fuel or oil spills that cause property damage or bodily injury that you are responsible for after an accident. At KADAIR Insurance, we will build you a policy that can cover pollution or fuel spill coverage that is not dependent on a coverage loss like an accident.

Get a Boat Liability Insurance Quote

Liability insurance for your boat is likely required by law in your area, but it is also a wise investment. Contact KADAIR Insurance today; we will help you build a custom policy, whether you want liability insurance alone or additional coverage to protect your boat.

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