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Boat & Yacht Insurance

Boat & Yacht Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates. 

Boat & Yacht Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below. 

Boat & Yacht Insurance Information

Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing or storing a watercraft.

Things to consider and questions to ask your agent
Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
  • Is my boat or watercraft covered for use year-round?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

The personal watercraft policy covers:

  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft

Liability limits start at $15,000 and can be increased to $50,000,000 depending on the size value and usage of your vessel. Typical policies include deductibles of 1% for Hull & Machinery damage.
Additional coverage can also be purchased for trailers and other accessories. You should talk to your insurance representative about the type of coverage that would best suit your needs. 

Commercial Marine Insurance

Whether you are a retail insurance broker that does not have access to all the marine insurance markets, a boat broker or risk manager for a commercial marine company, or a direct insured that owns a boat or marine business; JSM Brokerage can place your business with a quality insurance carrier for the following:

Marine Hull and Protection & Indemnity

Companies in the marine transportation industry can minimize their losses with marine hull and protection & indemnity products.
  •  Brownwater Hull and P&I - Tugs, Barges, Workboats, Dredges, etc. including crew coverage. U.S. and Non-U.S. business.
  •  Bluewater Hull and P&I – Cargo Vessels, anything over 2500 GRT. U.S. and Non-U.S. business
  •  Ocean Cargo

Marine Liability Insurance

Terminal operators, charterers, ship yards/repairers, marine contractors and stevedoring operations to name some, must protect against risks that can impact their corporate assets. Businesses can minimize their exposure with Marine Liability insurance, designed to address the unique needs of this segment of the U.S. marine market.

  •  Marine Contractors
  •  Marine Artisans
  •  General Liability
  •  Workers Compensation, USL&H, Maritime Employers Liability

Marine Facilities Insurance

Marina operators, boat dealers and yacht clubs, as well as premier boat builders and yacht brokers, must protect against risks that can occur both in water and on land. JSM Brokerage's Commercial Marine division is an industry leader in providing comprehensive insurance packages for marine-related facilities and events. Package solutions can include coordinated marine and non-marine coverage's to provide comprehensive protection for the full scope of operations.

  •  Marina Packages – MOLL, Boat Dealers, Piers & Docks, Property, P&I
  •  Pollution Liability.
  •  Builder’s Risk.
  •  Excess Protection & Indemnity and Bumbershoot policy's.
  •  Port Risk Accounts.
  •  Liability Only Accounts

Passenger / Fishing Vessel Coverage

  • All Types of Passenger Vessels
  • Yacht Charter Companies
  • Six-Pack Charter Boats
  • Head Boats / Party Boats
  • Cruise Lines / Fleet
  • Fishing Vessels

There’s more to commercial marine insurance than coverage and price. When in business, it is important to partner with someone that understands your business and your needs. What happens when you have a claim? Our professionals are seasoned marine specialists. We work with you and the carriers to expedite your claim and make things as easy as possible for you.

Commercial Marine Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates. 


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  • Whitestone Office 12-23A 150th Street | Whitestone, NY 11357 | 718-767-9226
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