Yacht Insurance2026-10-26T21:24:22-04:00

Yacht Insurance

A New Era in
Yacht Insurance

All aboard

World Class Coverage

Our yacht insurance options offers superior coverage for pleasure yachts 36 feet or greater in length. And for captained vessels 70 feet or greater in length and valued at $3 million or more, our concierge yacht insurance advisors have the specialty knowledge you and your crew need. Protect your superior watercraft with superior protection from Eton Bridge Insurance.

The Insurance

Exceptional Service

Eton Bridge Insurance specializes in providing insurance for yacht owners. With over two decades of experience insuring all types of yachts around the world, experience the service and expertise Eton Bridge provides.

The Experience

Discover a World of Difference

If you love your yacht, you’ll love our agency. Eton Bridge Insurance makes sure our clients are protected with the right coverage, so you can relax on and off the water.

  • Boat trailer coverage
  • Boat lift and boat house coverage
  • Fishing tournament reimbursement for fishing boats
  • Fishing equipment protection
  • Transit and storage coverage
  • Trip coverage
  • Trip interruption reimbursement
  • Personal liability coverage if you live aboard your yacht
Yacht Insurance
The Coverage

Yacht Insurance Highlights

Yacht Insurance

Agreed Value Coverage

No deductible, for a total loss. Eligible vessels can receive Replacement Cost coverage up to 120%.

Marina Environmental Damage

Protection for fines and penalties as a result of marine environmental damage, as defined by the policy terms.

Marinas as Additional Insured

Marinas, yacht clubs and similar facilities where clients keep their vessels are included as Additional Insureds.

Liability Protection

Limits of coverage to suit your personal needs, including: legal defense costs, liability as required by the Oil Pollution Act of 1990, wreck removal, and Jones Act coverage for paid crew.

Replacement Cost Loss Settlement

Repair or replacement of covered property is paid for without deduction for depreciation for most partial losses.

Uninsured / Underinsured Boater Coverage

Pays for bodily injury to persons aboard the insured watercraft who are injured by an uninsured owner or operator of another vessel.

Search and Rescue

Coverage for the expenses incurred by an insured in relation to a governmental unit such as the United States Coast Guard (USCG) who provide emergency aid and assistance.

Longshore and Harbor Workers’ Compensation Act (LHWCA)

When, coverage is automatically provided for those employed aboard the vessel who are within the jurisdiction of the LHWCA.

Oil Pollution Act of 1990 (OPA) Coverage

Provides coverage in addition to the Liability limit, up to the required OPA statutory limits, regardless of the Liability limit chosen. Additionally, if the OPA statutory limit is increased in the future, the policy will automatically increase the applicable OPA limit to match the new higher statutory limits.

Personal Property and Fishing Equipment Coverage

Protection is automatically included for the clothing, personal effects and fishing gear of the boat owner and their guests. Optional higher limits are available.

Temporary Substitute Watercraft

Charter a temporary substitute watercraft if the insured vessel is out of commission due to a covered loss and cannot be repaired within policy timeframe.

Bottom Inspection

Coverage for the reasonable costs to inspect the bottom of an insured vessel after grounding, stranding, or striking a submerged object.

Common Questions About Yacht Insurance

Answers to the questions yacht owners ask most about named storms, navigation limits, crew, and charter use.

What is a hurricane plan on a yacht policy?2026-10-26T21:13:46-04:00

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, moving to a hurricane-rated marina, or relocating out of the storm’s path. Failing to follow the plan can jeopardize named storm coverage.

Read: Yacht insurance in Florida

What is a named storm deductible on a yacht policy?2026-10-26T21:13:46-04:00

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 deductible if the vessel is hauled out or relocated according to the hurricane plan.

What are navigation limits?2026-10-26T21:13:45-04:00

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 the Bahamas, the Caribbean, or beyond, confirm your navigation limits match your itinerary before departing.

Are my captain and crew covered by my yacht policy?2026-10-26T21:13:44-04:00

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 included in a yacht policy or written separately, and it is important for any owner who employs crew.

Can I charter my yacht under a personal yacht policy?2026-10-26T21:13:45-04:00

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 limits and crew coverage.

Get in Touch With a Yacht Insurance Specialist