watercraft

Watercraft Insurance

Different Marine Insurance for Different Needs

Whether you use your boat to fish, cruise, or race, it’s an investment that rewards you with pleasure. As with any investment, you need to minimize risk and enable the positives. Boats are vulnerable to physical damage, failure, and passenger liability.

The Alliance Group of Western NY specializes in writing insurance policies for boaters in the Rochester, NY area. We learn about your boat, usage, and special circumstances to craft an insurance policy that will protect you from your specific risks. We tailor every insurance policy and understand the different needs of power boaters, sailors, and commercial fishermen.

The following is an overview of general watercraft insurance.

  • Medical Payments – Covers your eligible medical expenses if you get hurt when on the water.
  • Physical Damage – This optional coverage is generally for damage to your boat, motor, and trailer.
  • Liability – In the event of an accident with another boat, this coverage provides protection from damage and medical liability.

As with most property insurance, you have a choice of deductible levels and liability protection. Whether you’re a lifelong boater or a new owner, it’s wise to review work with a Rochester NY area marine specialist like The Alliance Group of Western NY. We’ll gladly review your current policy or craft your first one.

Contact The Alliance Group of Western NY today for a free consultation about your best options for a marine policy to protect you and your boat in the Rochester NY area. Fill out the form on this page or call us at (585) 388-8001.