What liability generally addresses
Bodily injury to others and damage to their property that you are legally responsible for while operating your boat, subject to the policy's terms.
Choosing limits
Higher limits cost more but may better reflect what you have to protect. Talk through limits with a licensed professional; some owners also coordinate with an umbrella policy.
Marinas and lenders may set minimums
Some marinas and lenders require proof of liability coverage at a stated minimum. Check your slip agreement or loan documents.
Frequently asked questions
General information only, not legal or insurance advice. Coverage availability and terms vary by insurer and policy.