Sea Insure

About Our Policy

There are plenty of companies out there willing to write you an insurance policy, but are you truly getting the coverage you need? With Sea Tow’s experience on the water and the Sea Insure team's experience with insurance you can rest assured that with a Sea Insure policy you will have the coverage if the unexpected happens.

  • Key Policy Components

    • Liability Coverage

      This is coverage for bodily injury or property damage that results from the use of your watercraft or while operating vessels owned by others.


      Medical Payments Coverage

      Provides coverage for reasonable and necessary medical expense for you or your passengers, regardless of fault.


      Uninsured Boaters Coverage

      Provides coverage for any bodily injury you sustain that is caused by another boater who is not insured.


      Fuel Spill Liability

      Provides up to $800,000 for the containment, clean-up, and property damage resulting from a fuel or oil spill from your watercraft.


      Salvage

      Your watercraft is covered for salvage charges up to the full agreed hull value of the vessel, in addition to any physical damage sustained (by the boat) during the salvage process.


      Personal Property Coverage

      Coverage is provided for loss or damage to your belongings while aboard your watercraft.

  • Additional Features

    • Legal Defense

      Unlike most policies, with Sea Insure® you’re covered over and above your liability limit for legal fees related to a liability claim.


      Electronics Coverage

      If you have an electronics claim, you will only be responsible for a $500 deductible, as opposed to the full hull deductible of most other policies.


      Scratching, Denting, Ice & Freezing

      You are covered for scratching or denting damage to your hull as well as damage from ice and freezing. (Commonly excluded from most policies).


      Mechanical Breakdown

      Unlike most, our policy does not have mechanical breakdown exclusion.


      Charter and Crew Coverage

      Qualifying vessels can purchase coverage for up to twenty charters per year. Liability coverage is also available for full or part-time captain and crew.


      Marine Environmental Damage Coverage

      You are covered for up to $100,000 in damages in the event of a marine environmental claim against you (commonly excluded from most policies).

  • Policy Options*

    • Agreed Value

      In the event of a total loss, this coverage option provides for the full agreed-upon value of your vessel without depreciation.


      Replacement Cost**

      In the event of a total loss, this coverage option provides the cost to replace the lost property with new property.

*Both options include Physical Loss or Damage Coverage for your boat, engines, electronics and other equipment, as well as any dinghies or trailers you use with your boat. All risks are covered unless specifically excluded.

**Replacement cost coverage is offered on boats up to 2 years old.