Boat Insurance


Specialty liability coverage for boat owners regardless if they own a boat company, rent boats, have their own watercraft or enjoy boating for recreation. EIB offers customized boat insurance for general liability and property damage. If you are looking for personal liability protection, XINSURANCE (powered by EIB) can offer you the coverage you need.

Who We Can Help:

  • Boat Owners
  • Boat Companies
  • Boat Renters

Types of Boats Covered by Boat Insurance:

All things boating and watercraft. Such as racing boats, yachts, speed boats, pontoon boats, fishing boats, cigarette boats, cruising boats, tour boats, charters, sailboats, and other personal watercrafts.


Need help with an application? Want additional information? No matter what you need, we can help.

Please contact us at or call 877.678.7342

boat insurance

Questions to consider: What are some of the causes of boating accidents? Operator inattention, operator inexperience, improper lookout, excessive speed, and machinery failure rank as the top five primary contributing factors in nonfatal accidents. Alcohol use is the leading known contributing factor in fatal boating accidents. Questions to consider: What can lead to a lawsuit? As a legal matter, a boating accident occurs when a boat (motorboat, canoe/kayak, pontoon boat, sailboat, jet ski, etc.) is involved in an event or series of events that cause harm, such as property damage, total vessel loss, missing person(s), injury or death. Questions to consider: Who is responsible in a boating accident? Typically, victims or their families may be able to sue the operator of the boat for negligence or for failure to provide reasonable safety, the owner of the boat, the manufacturing company, the rental company, or other passengers who acted in a negligent or reckless manner such as throwing someone in the water without a life vest, knowing he or she cannot swim. Questions to consider: How could I be sued? Many victims of boating accidents prove negligence with eyewitness testimony, law enforcement reports, and photographs of the accident scene. With this evidence, they must show that (1) the boating accident was caused by carelessness, (2) the victim was caused harm, and (3) the negligent party is responsible for compensation.

Know the Facts

boat insurance

Where instruction was known, 77% of deaths occurred on boats where the operator did not receive boating safety instruction. Only 13% percent of deaths occurred on vessels where the operator had received a nationally-approved boating safety education certificate. Source

boat insurance

Where data was known, the most common vessel types involved in reported accidents were open motorboats (47%), personal watercraft (18%), and cabin motorboats (15%). Source

boat insurance

In 2016, the Coast Guard counted 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. Source

Ready to Apply?

You may submit an application online using the GET A QUOTE button below, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

No risks are bound until expressly accepted by EIB, upon receipt of all requested information and the return of the applicable premium. In most cases, premium financing options are included with the quote.

There are no minimum premium requirements.