Liability Insurance for Boats

Get Onboard With Special Liability Insurance Before Hitting the Water

Liability Insurance for Boats, Boat Rentals, and Business Owners

Whether it’s the wind in your hair in a cigarette boat, the rush of speed in a racing boat, or simply relaxing with the family in a spacious yacht, boating is undoubtedly a popular activity among Americans. In 2016, there were nearly 12 million registered recreational “vessels” on the water.*

While fun and exhilarating, the open seas are often the site of accidents. According to the Coast Guard, in 2016, there were 4,463 accidents that involved 701 deaths, 2,903 injuries and approximately $49 million dollars of damage to property as a result of recreational boating accidents.*

You can have a collision with another boat, the wake of another boat or wave can wreak havoc on your boat, or you hit land, rock or a submerged object. If every case, there’s damage — both to your boat and your wallet. But can you afford a lawsuit against you if you have a mishap with other passengers or another boat? What if you’re renting the boat; can you withstand the cost of litigation against you? If you’re a business owner with a viable interest in watercraft recreation and businesses, can your business take a financial hit if a claim is made against you?

As a boat owner, renter or business owner, you must be well protected with specialty liability insurance coverage — especially since there are many liability risks not covered by standard insurance carriers. Did you know that if you can’t get coverage due to an incident or claim, or if your insurance is not being renewed, you’re probably considered a difficult risk and need specialty insurance? Where do you turn for coverage?

Evolution Insurance Brokers

Evolution Insurance Brokers (EIB) is an Excess and Surplus Lines, Property and Casualty Specialty Insurance Brokerage that specializes in customized liability insurance coverage for difficult risks. EIB can provide options and solutions for boat owners, renters, and businesses that have a loss history or claim, or other distressing factors that make liability insurance hard to find.

EIB has more than two decades of experience, and offer specialty liability insurance, in addition to flexible underwriting, risk management expertise, and outstanding claims results for difficult risks, with consideration for good risk management practices.


To get on board with Evolution Insurance Brokers, contact us.


Rick J. Lindsey
Rick Lindsey

President, CEO and Chairman