Liability PLUS Policy
Find the premium savings you've been looking for with Liability PLUS; our lowest cost policy option. This policy provides the essential liability coverage you need without the added cost of complete hull coverage. Though you take on the cost to repair or replace your boat in the event of a claim, we cover you for 3rd-party claims or lawsuits against you the boat owner. And in the event your boat is involved in a fire, grounding, sinking, salvage or fuel spill, we will dispatch emergency assistance and pay the full cost of salvage and wreck removal (up to the insured value of your boat). PLUS, enjoy unique extras like our Dock-Contract Liability coverage, which protects against your legal liability arising out of a marina or dock contract.
- Liability Payments
Choose from a variety of coverage options
- Medical Payments Coverage
Choose from a variety of coverage options.
- Full Salvage Assistance & Wreck Removal
If your boat is involved in a fire, grounding, sinking, or fuel-spill we'll dispatch help immediately and pay the full cost of salvage and wreck removal.
The BoatUS Liability PLUS Policy is available for all boats owned outright (with no lienholder).
All BoatUS Policies Include:
- 24 Hr Claims
- Full Salvage
24 Hour Claims & Dispatch of Assistance
Our experienced team of claims professionals will dispatch assistance, utilizing our nationwide network of towers, salvors and surveyors to help policyholders through boating emergencies like fire, sinking, theft or fuel spill containment -- even roadside accidents. Your claim is handled by boating experts committed to outstanding service that gets you back on the water -- fast.
Full Salvage Assistance
Covers you for the full cost of salvage, without a deductible, up to the insured value of your boat at the time of the loss.
$25,000 Supplemental Family Medical Payments
To ensure that you or your family do not incur large out-of-pocket expense if injured onboard, our policies also include an additional $25,000 for payments not covered by any major medical policy. This coverage is in addition to the medical payments limit you select with your policy.
Additional Fuel - Spill Liability
In addition to your policy's standard liability coverage, this extra liability protection protects you from claims for clean-up or 3rd-party damage due to the accidental discharge of oil or fuel that can occur in a sinking, fire, collision, grounding, etc. This "green coverage" is crucial now that federal and state laws subject boaters to liability for cleanup, containment, and environmental damage.
Receive a 25% discount on your deductible each year you remain claims free, until it reaches $0!
(Begins with your first renewal).
Uninsured Boater Protection
Additional coverage for your injuries caused by a collision where a hit-and-run or uninsured boater is at fault.
Liability for Dock Contracts
A BoatU.S. Exclusive - If you signed a contract to dock or store your boat, it may hold you liable for personal injury or property damage -- even if you are not at fault. BoatU.S. offers this unique coverage to protect you from these liabilities the contract may require you to take responsibility for.
Named Storm Haul-Out Coverage
Covers 50% of the cost (up to $1,000), per event, to professionally haul or protect your boat, in preparation for an NOAA Named Storm in your area. (Not applicable for PWCs).
FREE Subscription to Seaworthy Damage Avoidance E-Newsletter
Stay safe on the water all season with your free e-subscription to Seaworthy, the quarterly newsletter that turns actual claim case-studies into valuable boat and lifesaving tips. Electronic or paper subscriptions are available for non-insured members for $10/year.
*All coverage is subject to the terms, conditions, limits and exclusions of the policy. Salvage and Wreck Removal excluded on Liability policies for PWC. Please read your policy carefully.
For a FREE quote for our Yacht Policy or any BoatUS policy, visit our Online Application or call toll free, 1-800-283-2883 for personal service.