Liability Coverage and Boat Insurance in Florida

Liability Coverage and Boat Insurance in Florida

You've worked hard to learn the rules of navigation and you take boating seriously. As far as safety goes- you take the necessary steps to ensure you and your guests are protected. Nevertheless, accidents happen and that's exactly why you need to make certain you're covered in the event you are liable for damage to someone or their property. Why take chances when you don't have to? Securing liability coverage with quality boat insurance is one of the most important steps you can take to protect yourself and your investment.

Liability Coverage and Boat Insurance in Florida - Liability Coverage and Boat Insurance in Miami - Liability Coverage and Boat Insurance in Ft Lauderdale

Watercraft Liability Watercraft liability generally comes in two forms - bodily injury liability and property damage liability. Basically, this is coverage that protects you against damage to other vessels, structures or persons caused by you. With bodily injury liability, you're protected with coverage for medical bills, pain and suffering, defense and even lost wages from an injured party. Property damage liability protects you from the costs of any damage you cause to another boat, dock or other structure. And with piers, bridges, buoys and cables almost everywhere, it's a high probability even the most cautious driver may have a little mishap.

Remember, liability coverage is designed to protect you against damage you cause to other people or things and does not cover your own injuries or losses. It's a common feature of most South Florida boat insurance and most providers offer coverage ranging from $100,000 to $1,000,000. With Miami, Palm Beach or even Ft. Lauderdale boat insurance, liability coverage can prevent what could potentially become a financially crippling situation. Keep in mind, most liability coverage is only active when your boat is in the water.

Pollution Liability You are also responsible for any pollution from your vessel. In fact, a simple oil spill can result in thousands of dollars in clean up and could require assistance you are not financially capable of adequately providing. Your Key West boat insurance may not include pollution liability as a standard feature so make certain to ask your provider if you're interested in adding it to your standard plan. While pollution damage may not be an everyday occurrence, it's a smart idea and something to consider if you're not financially prepared to handle the costs associated with such an event.

Affordable Coverage You Simply Need In Florida, boat insurance and liability coverage specifically are not required by law- unless you owe money on your boat. However, it's a good decision regardless. In many cases, you can get affordable liability coverage without having to purchase other boat insurance options. At the very least, with a quality liability coverage policy, you won't have to spend your money repairing other people's property and you'll be covered in the event you need it.

Protect yourself from costly out-of-pocket expenses and consider liability coverage from a leader in South Florida marine insurance. Contact B.I.A. & Company today to learn more about liability coverage and how it can give you peace of mind.

BIA & Company offers the best rates on Boat Insurance in Miami, Ft Lauderdale, Homestead, The Florida Keys, Key Largo, Coral Springs, Jupiter, St. Augustine, Kendall, South Miami, Coral Gables, West Palm Beach, Hollywood FL, Naples, Ft. Myers, Fort Pierce, Sarasota, St. Pete, Clearwater, Tampa, Cocoa Beach, Jacksonville, Orlando, Daytona Beach and Palm Coast. If you're looking for Boat Insurance in Miami, Ft Lauderdale, Homestead, The Florida Keys, Key Largo, Coral Springs, Jupiter, St. Augustine, Kendall, South Miami, Coral Gables, West Palm Beach, Hollywood FL, Naples, Ft. Myers, Fort Pierce, Sarasota, St. Pete, Clearwater, Tampa, Cocoa Beach, Jacksonville, Orlando, Daytona Beach or Palm Coast, then contact BIA & Company for a free Boat Insurance quote today!

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