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Insurance Facts for the Personal Watercraft Owner

The sunnier seasons of the year beckon boat lovers towards the glistening coastlines. Personal watercraft owners use their vessels to relax and enjoy themselves alone or together with family and friends.

The last thing anyone needs to worry about is liability.

This is where the peace of mind, intrinsically connected with hull, liability and medical payment watercraft insurance and other related coverage comes in.

Personal Watercraft Insurance

Insurance for personal watercraft includes coverage for a broad array of single-engine inboard-powered boats. Primarily propelled by water-jet pumps, these vessels can hold up to three people and just a little bit of cargo.

Depending on the way it was constructed, a PWC can allow operators and passengers to sit the same way a motorcycle rider would or kneel or stand.

Risks incorporate high-performance and usage exposures along with little passenger and operator safety-guards. Water skiing, as well as other water sports using the PWC to tow individuals has added to the involved exposure.

These may include:

  • Trailer liability
  • Water-skiing liability

Prior to assigning coverage, each personal watercraft is assessed according to individual actual cash value.

For more on this type of specialized insurance, contact an experienced independent agency that has the ability to shop the broad network of policies and rates available from the top carriers.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, AmTrust, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!


Summary: Personal Watercraft insurance lets your time on the water be as worry-free as it was meant to be.