Boat Insurance with The Woj

Protect Your Vessel Today

At The Woj Broker, we provide comprehensive boat insurance to keep you and your vessel protected on the water. Here’s what you need to know about our coverage options for boats:

What Types of Boats Are Protected?

Our insurance covers a variety of motorized boats, including pontoon boats, paddleboats, fishing boats, leisure crafts, and yachts. Please note that we do not typically cover non-motorized boats such as kayaks, canoes, or personal watercraft.

Do I Need Boat Insurance?

If you’re purchasing a boat, your lender will likely require insurance to safeguard the asset until it's fully paid off. Additionally, many marinas require insurance if you use their moorings or boat slips.

What Does Boat Insurance Cover?

Boat insurance offers similar protections to auto insurance, with additional coverage for marine-specific risks:

• Collision Coverage: Covers repair or replacement of your boat in the event of an accident or theft.

• Property Damage: Provides coverage for any accidental damage you might cause to another boat, dock, or other property.

• Bodily Injury: Offers compensation if you cause an accident, covering medical expenses, pain and suffering, lost income, and potential legal fees (subject to state laws).

• Comprehensive Coverage: Protects against theft, vandalism, and damage from non-collision incidents such as windstorms, hail, or tornadoes.

Additional Coverages

We also offer optional coverages to tailor your policy to your needs, including protection for fishing equipment, oil spill cleanup, medical payments for you, personal property on the boat, and roadside assistance. Uninsured and underinsured boater coverage ensures you're protected if the at-fault boater doesn’t have enough insurance to cover your expenses.