Bodily Injury and Property Damage Liability (BI/PD):
Bodily Injury and Property Damage Liability coverage covers your legal liability for an accident where there is damage or injury to someone or something else, up to the limit of liability selected. Your insurance company pays for the cost to replace or repair damaged property, the medical bills and wage loss incurred by an injured person and other damages you are legally obligated to pay as the result of an accident.

Uninsured Boater:
Uninsured Boater Bodily Injury coverage pays for medical treatment, wage loss and other damages you would have received from the other person's insurance company, had they been insured. Damages are covered up to the limit of coverage you select.

Medical Payments:
Medical Payments coverage covers the cost of necessary medical care provided to you as a result of a boating accident and applies regardless of who is at fault. Covered people include those in your boat and the named policyholder. Medical Payments also will pay for injuries caused while water skiing or tubing. In some states, this coverage applies only after other medical insurance is exhausted.

Comprehensive and Collision:
Comprehensive and Collision coverages pay for the cost to repair or replace your boat if it is stolen or damaged in a covered loss, regardless of who is at fault. You share in this cost by paying a deductible.

Collision coverage pays for damage caused to your boat when it collides with another vehicle or object.

Comprehensive coverage pays for damage to your boat caused by an event other than a collision, such as fire, theft or vandalism.