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Sponsored Charity Spotlight: Water Mission
Welcome Aboard Maritime Enthusiasts! At Pilothouse Insurance, we're passionate about insuring your nautical passions. Whether you're a seasoned sailor, new to the water, or running a maritime business, we're committed to providing you with comprehensive coverage at competitive rates for your marine insurance needs.
Types of Programs
Recreational Boats
Personal Watercraft
Luxury Yachts
OUPV "6 Pack" Charters
Inspected Passenger Vessels
Commercial Vessels
Rentals/Bareboat
Marine Repair Contractors
Marinas
Yacht Clubs
Yacht Brokers
Boat Dealer
Boatyards
Dive Shops
Boat Builders
Dock Builders
Note: Not Available in All States.
Popular Coverage Options
There are unique risks associated with every kind of maritime activity. Having the right insurance coverage provides peace of mind, knowing you're financially safeguarded against the unpredictable nature of the waterways and potential legal and financial burdens. Here are a few coverage's to consider when owning a vessel or operating a commercial maritime business:
Liability Protection: Protects you against claims for bodily injury or property damage caused by your boat or commercial operations.
Property Damage: Whether for your personal boating-related property or commercial maritime operations, this coverage can provide protection for losses to buildings, contents and equipment caused by storms and other covered perils.
Collision: Provides physical damage coverage for repairs to your watercraft if damaged in a collision with another vessel or object.
Comprehensive: Provides coverage for non-collision related incidents, such as fire, theft, or vandalism.
Medical Payments: Coverage for medical expenses for you and your passengers if injured while boating.
Uninsured/Underinsured Boater Coverage: Bodily injury and property damage protection if you're involved in an accident with a boater who has insufficient coverage or no insurance at all.
Personal Effects: Reimburses you for the loss of personal belongings on board your vessel including clothing, mobile devices and boating equipment.
On-Water Towing: Helps with expenses for emergency towing, fuel delivery, and other assistance services.
Trailer Coverage: Coverage for physical damages to your boat trailer while transporting your vessel.
Salvage and Wreck Removal: Pays for expenses associated with the cost of removing your boat from the water in the event of sinking.
Hurricane Hull-Out: Pays for expenses associated with hauling out your vessel, as well as storage fees for the duration of a severe storm or until it's safe to return the boat to the water.
Crew Protection: Coverage for employed crew members for various risks such as injuries, illnesses, and liabilities arising from their work on your vessel.
Navigational Area: Specifies the geographic area where your vessel is covered for navigation, including coastal waters, inland waters, offshore, as well as domestic and international territories.
Pollution Liability: Protects you against liable claims for pollution or environmental damages caused by your vessel.
Note: This list in not comprehensive and does not provide official insurance policy language. Coverage options may differ among insurance companies and policy types. Availability varies by State.
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