FAQs

Injuries to professional captains and crew are generally governed by maritime law, including the Jones Act, rather than state workers' compensation. Crew coverage, often called maritime employers liability, can be ...

Usually not. Personal yacht policies typically exclude charter use. If you charter your vessel to others, even occasionally, it needs to be insured for commercial charter operations, including appropriate liability ...

Navigation limits define where your vessel is permitted to travel under the policy. Some policies restrict navigation or apply different terms during hurricane season. If you plan to cruise to ...

Many yacht policies apply a separate, higher deductible to damage from a named tropical storm or hurricane, often expressed as a percentage of the hull value. Some policies reduce this ...

Many Florida yacht policies require a written hurricane plan describing where the vessel will go and how it will be secured when a named storm threatens, such as hauling out, ...

Flood damage to a vehicle is covered under comprehensive coverage, not under a flood insurance policy. If you carry only liability coverage, flood damage to your own car is not ...

Generally not. Standard, high-value, and collector car policies usually exclude racing and high-performance driving events. If you participate in track days or driving schools, ask about separate track day coverage ...

Collector and exotic cars are best insured on an agreed value basis, so a total loss pays the value agreed upon in advance rather than a depreciated market value. Look ...

Florida has one of the highest rates of uninsured drivers in the country, and because bodily injury liability is not required for most drivers, many who are insured carry no ...

Florida requires vehicle owners to carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Bodily injury liability is not required for most drivers, ...