Liability coverage—This may help cover losses and associated legal fees if you are responsible for an accident involving your yacht. Policies may provide: 

Bodily injury liability coverage—This can help pay for third-party expenses (e.g., medical bills) if they suffer a bodily injury. 

Property damage liability coverage—This can help pay for damage to someone else’s property (e.g., repair or replacement costs).  

Physical damage coverage/hull insurance—This may provide payments to help you recoup your yacht-related losses after a covered event (e.g., fire, theft, vandalism and collisions).  

Personal effects coverage—This may provide coverage if personal items you bring on your yacht (e.g., fishing gear and clothing) are lost due to a covered peril. 

Medical payments coverage—This may help pay for injuries you and your passengers sustain after an accident, regardless of fault. 

Uninsured/underinsured boater coverage—This may provide coverage if you are in an accident with a boater who does not have adequate insurance to provide compensation for the resulting losses. 

Emergency towing and assistance 

Marine environmental damage coverage 

Search and rescue coverage 

Boat show and demonstration coverage 

Hurricane haul-out coverage