Yacht Insurance Provided By Ball Group Insurance
Whether you're cruising along coastal waters or docked at a luxurious marina, your yacht is more than just a vessel it’s a sanctuary and a statement of freedom. Our tailored yacht insurance safeguards your lifestyle, your investment, and your peace of mind, every mile of the journey.
Think of yacht insurance as your safety net at sea. It helps cover:
- Repair costs if your yacht sustains damage
- Liability if someone is injured or their property is damaged while aboard
- And much more, all designed to keep your voyages on course
We understand life on the water so our plans go beyond the basics:
- Hull Coverage: Covers structural damage to your yacht from storms, collisions, sinking, or grounding.
- Boating Equipment: Protects everything from navigation systems to anchors either within your hull’s coverage limit or as an add-on.
- Third Party Liability (P&I): Covers medical bills and repairs if you’re held responsible for someone else’s injuries or damage while boating.
- Crew Coverage: Includes protections under the Jones Act, providing legal and medical safeguards if a captain or crew member is injured on duty.
- Towing & Labor: Covers emergency towing and on-water assistance whether nearby or offshore subject to policy terms.
- Uninsured Boater: Helps cover bodily injury if your yacht is struck by someone without insurance.
Every yacht is unique, and your policy should be, too. Your premium depends on factors like:
- Where and how you store your yacht
- Year, size, make, model, and engine specs
- New or used purchase status
- Usage patterns (seasonal vs. year-round, pleasure vs. charter)
- Freshwater or saltwater exposure
- Your safety training, boating record, and claims history
- Whether you work with a professional crew
- Coverage limits, deductibles, and location of navigation
Thinking About Switching?
If you're unhappy with slow claims processing, unexpected rate increases, or a lack of real-person support getting a better policy might be easier than you think.
Simply reach out. We’ll ensure your next policy starts when your current one ends so you're never left uncovered.