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Watercraft Umbrella Insurance - Let us find your best coverage - extra liability protection for boats and personal watercraft

Boating accidents can lead to serious injuries and large lawsuits. Send us a few details about your boats and personal watercraft and we will shop umbrella coverage above your watercraft policy – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Watercraft Umbrella Quote Request

Applicant Information:

Have these handy

  • Year, make, length and horsepower of each boat or jet ski
  • Your watercraft policy declarations page
  • Operators and their boating safety course certificates
  • Where the boat is kept and navigated

Related coverage

Coverage details

What a watercraft umbrella covers

A watercraft umbrella adds liability limits above your boat, yacht or personal watercraft (jet ski) policy.

  • Passenger injuries - Injuries to guests aboard your boat or towed on skis and tubes.
  • Collisions - Injuries and damage to other boats, docks and swimmers.
  • Wake damage - Damage your wake causes to other vessels or shoreline property.
  • Fuel spills - Liability for pollution cleanup required by law, where covered.
  • Operators - Family members and permitted operators of your watercraft.
  • Legal defense - Attorney fees and court costs above your watercraft policy.

Requirements: underlying watercraft liability of $300,000 to $500,000 is typically required; larger yachts may need a specialty program.

Not covered: charter or rental use, racing, and damage to your own vessel.

Insurance Application:

Personal Umbrella – Watercraft

Required forms

Watercraft Umbrella Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

Boating insurance
Contact details

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