Get on board with watercraft solutions

Watercraft coverage from The Hanover

For your clients with boats and other watercraft, The Hanover has the protection they need.

Our watercraft product features flexible coverage offerings and limits, so you can tailor each policy to your customer's needs. TAP Sales makes it easy to pre-fill customer account information to provide a watercraft quote. 

The Hanover’s watercraft products are available in all Personal Lines states.

 

What watercraft coverage protects

The Hanover covers:

  • motorboats up to 43’ in length
  • sailboats up to 51’ in length
  • between $3,000 to $500,000 in value

This coverage includes personal liability with optional medical payments to others for bodily injury or property damage and more.

Where watercraft coverage protects

A Hanover watercraft policy provides coverage for accidents and losses on lakes, rivers, inland waters, and ocean up to 50 miles off the coast of the U.S., its territories, and Canada—with the option to extend up to 100 miles from the coastline.

 

Base coverage

A Hanover boat and personal watercraft policy includes coverage for:

  • Pet injury protection*—up to $1,000 if a cat or dog is injured on your customer's boat
  • Pollution/fuel spill—for the cost of an accidental spill and pollution liability
  • Recovery—covers the removal of a wrecked watercraft
  • Salvage—for the cost of recovering an imperiled watercraft
  • Towing and assistance—pays for expenses incurred for towing and assistance, up to $500 per disablement
  • Fishing equipment and personal effects coverage— up to $500 for losses to items such as coolers, fishing rods and portable radios

Extended coverage

  • Watercraft haul out expense coverage—up to $1,000 to haul out and return your customer's boat to water in the event of a hurricane
  • Personal watercraft—coverage for single-rider watercraft, such as jet skis
  • Uninsured/underinsured water liability—pays for a loss that your customer or other occupants of your customer's watercraft incur from an accident with an uninsured boater
  • Increased towing and assistance protection, including an unlimited option with no deductible
  • Increased fishing equipment and personal effects coverage for higher end fishing equipment, water skis and other personal items, with limits up to $10,000

 

Coverage not available in all states and limits may vary. Please refer to your agent guides for more details.  

 

Available discounts

With watercraft coverage from The Hanover, your customers have access to a variety of discounts including:

  • safety and education discount
  • multi-watercraft discount
  • homeowner discount
  • account credit for those with home and auto insurance from The Hanover
Product description

What watercraft coverage protects

The Hanover covers:

  • motorboats up to 43’ in length
  • sailboats up to 51’ in length
  • between $3,000 to $500,000 in value

This coverage includes personal liability with optional medical payments to others for bodily injury or property damage and more.

Where watercraft coverage protects

A Hanover watercraft policy provides coverage for accidents and losses on lakes, rivers, inland waters, and ocean up to 50 miles off the coast of the U.S., its territories, and Canada—with the option to extend up to 100 miles from the coastline.

 

Watercraft resources

The Hanover offers an array of watercraft information for you and your customers. You can also access our library of ready-to-use marketing materials for agents on TAP Marketing.

Go to TAP Marketing

 

 

Watercraft coverage overview

This brochure highlights important safety and coverage information for watercraft owners. 

Download now

Resources for you

This series of prospecting postcards can help you reach split-account customers that own boats, and help sell the value of the total account.

"Let us float an idea" postcard [PDF]

"Total account" postcard [PDF]

"Many boats, one solution" postcard [PDF]

 

Resources for your customers

Share the importance of watercraft coverage with your customers. You can also find more resources in the Prepare now. Learn how. content library.

Watercraft brochure [PDF]

Watercraft infographic [PDF]

Watercraft coverage interactive infographic

 

Questions about watercraft coverage?

Contact your underwriter for more information.