A boat owners insurance policy can insure you against most risks of owning and operating your boat, its motor, and its trailer.

The type and size of the boat, the waters you use it in and the value of the watercraft will determine your boat insurance for New Yorkers and Long Islanders premium.

Here are some of the coverages you’ll need to consider when purchasing boat insurance in New York:

This coverage addresses payment for the expense of repairing or replacing another individual’s boat or property that has been damaged in an accident caused by your boat. This type of coverage is activated directly after a collision, but it may also come into play in other scenarios. For example, if you have an accidental fuel spill that damages someone’s property, your watercraft liability insurance may help cover clean-up costs, especially if you do not have specific Fuel Spillage Liability coverage. Liability insurance may also help pay for wreckage removal if a boat accident that is covered by insurance, additionally requires raising, removing, or towing your watercraft from the water.

This provides medical payment coverage for people who are injured while on a boat, while boarding or leaving a boat or watercraft, or are injured due to involvement in an accident with another boat. These coverages vary but can include medical, ambulance, hospital costs, and more. As part of your boat insurance for Long Island and New York boaters, Watercraft Medical Payment coverage is generally regarded as ‘doing the right thing’. Should someone be injured while on or in contact with your watercraft, this coverage enables policyholders to pay for all or part of the injured party’s medical expenses without accepting liability for their injuries. This eliminates the risk of a personal injury claim.

As with any type of coverage, there are financial responsibility policy limits. This means that your insurance company will cover the medical payments up to the policy limits stated on your Declarations Page. Your boat insurance for Long Island boaters policy will additionally provide details on the limits and terms relating to your medical payment coverage plan.

This coverage will cover repairs brought about as a result of damage. A comprehensive ‘all risk’ policy is optimal as it will mandate that if the cause of your watercraft’s damage or loss is not specifically listed as an exclusion, that your repair will be covered. There are many cause/effect scenarios where your boat can be damaged, including accident or weather related. Typically, these are high winds, waves, lightning, torrential rain, and even hail. Less frequent but still capable of causing damage/loss are fire, theft, vandalism as well as collisions with docks, moorings, other watercraft, or floating/submerged debris. Grillo & Associates also recommends selecting a boat insurance for New York boaters policy that offers coverages while your craft is in dry-dock, and while it is being trailered. A policy that considers and covers a wide range of contingencies will provide peace of mind and seasons of carefree recreation on the water.

The goal of recreational boating is to leave the environment pollution-free. When a boating collision occurs, oil and/or gasoline spills will create pollution and foul the waterways. Almost every state, including New York, holds boaters and watercraft operators responsible for spillage. There are fines and financial liability for the cleanup and environmental pollution costs. Regulations often do not differentiate the size of the responsible craft when levying fines. For even a minor spillage, the associated cleanup expenses can be costly. That is why Grillo & Associates recommends opting for Fuel Spill Liability Coverage to protect you by defraying some of the expenses. This coverage will help pay for cleanup, environmental costs, legal fines, and court fees.

You determine the amount of coverage when you select your boat insurance for Long Island boaters’ BI/PD limits.

  • Sinking
  • Fire
  • Storms
  • Theft
  • Capsizing
  • Stranding
  • Collision
  • Explosion

The Grillo & Associates insurance agency is licensed to write New York Umbrella Insurance as well as in Arizona, California, Connecticut, Delaware, Illinois, Maine, Maryland, Nevada, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, Virginia.

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Click on “Get A Quote Now” or call us at 1-800-772-0627 or (516) 798-0320. Speak with one of our team members about your insurance needs.

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Contact our office today. Our team of specialists will assist you in determining what policy would be best suited for your insurance needs.

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