Vessel Insurance Types
Specialized coverage for every vessel type on Connecticut's waterways
Find Your Vessel Type
We offer specialized insurance policies for all types of vessels operating on Connecticut's coastal waters and inland waterways, with coverage options tailored to each vessel's unique risks.
Sailboats & Sail Vessels
Insurance options for sailing vessels, from recreational day-sailors to offshore cruising sailboats and racing catamarans.
Catamaran
Multihull coverage for sailing and power catamarans, written by an agency that understands how differently they are underwritten.
Learn moreSailboat
Coverage for cruising and daysailing yachts on Long Island Sound - rig, sails, mooring, and the limits that govern where you can go.
Learn morePower Boats & Motor Vessels
Coverage designed for various powerboats including center consoles, cruisers, pontoons, and high-performance vessels.
Pontoon Boat
Coverage for pontoons and tritoons on Connecticut lakes and rivers, built around carrying a lot of people comfortably.
Learn moreBass Boat
Coverage built around a fully rigged bass boat - hull, outboard, trolling motor, electronics and trailer.
Learn moreCenter Console
Coverage for center console boats fishing Long Island Sound and beyond, including electronics, outboards and offshore navigation limits.
Learn moreWake Boat
Coverage for wake and surf boats, built around towed-watersports liability and the equipment that makes the wake.
Learn morePower Boat
Coverage for runabouts, bowriders, cuddy cabins and outboard powerboats across Connecticut's coast, rivers and lakes.
Learn morePerformance Boat
Coverage for high-performance and go-fast boats, where speed, horsepower and operator experience drive the underwriting.
Learn moreRaceboat
Competition cover for race boats - on the water, in transit and on the hard - plus the event liability organisers require.
Learn moreYachts & Cruisers
Coverage for larger vessels - motor yachts, cruisers and luxury yachts - where agreed value, crew and extended cruising limits all come into play.
Cruiser & Motor Yacht
Coverage for cruisers, trawlers and motor yachts, including extended cruising, liveaboard use and the Intracoastal run south.
Learn moreBoat & Yacht
Boat and yacht coverage across Connecticut, compared across multiple carriers rather than sold from one.
Learn moreLuxury Yacht
High-value yacht coverage with agreed value hull, high-limit liability, crew cover and worldwide navigation options.
Learn moreSpecialty & Commercial Vessels
Protection for commercial vessels, charter boats, dinghies, personal watercraft, and other specialized maritime assets.
Charter Boat
Commercial coverage for Connecticut charter operations - passenger liability, crew, and the certificates marinas and clients ask for.
Learn moreDinghy
Cover for tenders, inflatables and small boats - including the outboard, and the liability that follows the tender away from the yacht.
Learn morePersonal Watercraft
Liability, theft and damage coverage for jet skis and personal watercraft on Connecticut lakes and Long Island Sound.
Learn moreCommercial Marine
Insurance for the businesses that work the water - marinas, boatyards, workboats, launch services and marine contractors.
Learn moreFrequently Asked Questions
Do I need boat insurance in Connecticut?
While Connecticut doesn't legally require boat insurance, most marinas, yacht clubs, and lenders require coverage. Additionally, the financial protection against accidents, theft, and liability makes insurance highly recommended for all vessel owners.
What factors affect my vessel insurance premium?
Premiums are influenced by vessel type, value, age, intended use (recreational vs. commercial), horsepower, your boating experience, navigation area, storage location, and coverage options selected.
Is my vessel covered when stored for winter?
Most policies provide year-round coverage, including winter storage, but specific terms may vary. We recommend reviewing your policy to confirm coverage limits during storage and discussing any special requirements with your agent.
Ready to Protect Your Vessel?
Get a customized insurance policy that gives you peace of mind while on the water.