Does boat insurance cover water skiers?

Picture this: You’re out on the lake, enjoying the warm summer sun and the freshwater smell. You’ve got your boat, and your friends, and everyone is having a great time. Suddenly, someone falls while water skiing and sustains some injuries. Will your boat insurance cover them? Boss Insurance Agency is here to answer your questions about boat and watercraft insurance in Kingwood, TX.

Water Skiers Are Usually Covered Under Boat and Watercraft Liability Insurance

There are a few things you need to know about boat insurance and what it covers. Most standard boat insurance policies will cover you for liability if someone is injured while on your boat. This includes water skiers, wakeboarders, tubing, and even swimmers who are hurt while in the water near your boat. And just so you know – Injuries that occur while people are loading or unloading from your boat are also usually covered.

But There Are Some Exceptions

However, there are some situations where boat insurance will not cover injuries. For example, if someone is hurt while using equipment that came with the boat, such as oars or a tow rope, they may not be covered. Additionally, most policies exclude coverage for racing boats or boats used for commercial purposes.

Boss Insurance Agency is Here to Help

So, does boat insurance cover water skiers from Kingwood, TX? The answer is usually yes, but there are some exceptions. The best way to know for certain is to check the coverage listed in your policy. Contact an agent at Boss Insurance Agency to look at your policy to see if water skiing (or any other activity) is covered. We’ll make sure you have the coverage you need.  Then go out and have fun!