Financial Literacy is a Must for Actors

Medical Payment Coverage -

This coverage pays for medical care incurred because of a boat accident. Covering the policyholder, the passengers and any involved water skiers and tubers, it is broad protection irrespective of who is the liable party.

Physical Damage Coverage -

This coverage takes care of boat, motor, permanent equipment and tailor repair or replacement costs.

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Uninsured/Under-insured Watercraft Bodily Injury Coverage

Unlike auto insurance, boat insurance is not mandated by the government. If you should be in an accident with another boat that has no coverage or is under-insured, this form of insurance will pay for medical bills, lost wages and other covered costs connected to the collision.

Fuel Spill Liability/Wreckage Removal -

In the scenario that your boat sinks or is extensively damaged, an oil or fuel leak is likely. Legally, you are responsible to clean any of this out of the water. With this coverage, all payments and cleanup will be handled by the insurance company.

Personal Effects Coverage -

While this insurance does not cover jewelry, watches or furs, it does provide protection for clothes, cell phones, sports equipment and fishing gear.

Unattached Equipment Coverage -

This will pay for any equipment that is not attached, yet is used on your boat. Covered items include: lifesaving apparatus, water skis, oars, fire extinguishing equipment, tarps and the like.

Emergency Assistance Coverage -

This will pay for towing, labor on repairs and delivery of gasoline and oil. It will also provide coverage for a loaned battery in the event the boat is not functioning as it sits on the waters.