Boat Delivery Insurance Coverage 

For self-employed boat delivery captains, every voyage represents an opportunity for adventure and a responsibility to safeguard their business and livelihood.

These individuals are trusted to operate their clients’ vessels safely and professionally between locations, sometimes great distances.

Whether navigating coastal waters or cruising through inland channels, having the right insurance coverage is essential for protecting against unforeseen risks and liabilities.

What Insurance Should Boat Delivery Captains Have?

Insurance necessities can vary depending on the captain and their specific circumstances. For the most part, boat delivery captains operate vessels they do not own. It’s typically the owner’s responsibility to retain insurance for the watercraft, such as hull insurance and other coverages.

In most cases, an individual cannot insure a boat they do not own so delivery captains are commonly added onto the owner’s boat insurance policy temporarily through an endorsement as a co-insured. Being added onto the boat’s insurance can place the captain under its protection, providing financial protection against damage and liability while they operate the vessel.

Typically, a delivery captain provides a copy of their USCG license and proof of boating experience to the boat owner. In turn, the owner contacts their insurance company to add the captain to the policy for the necessary period. The insurance company will provide a letter confirming the policy update, and the captain should hold onto that while operating the craft.

Additionally, captains who don’t own the boat they’re operating may benefit from additional liability insurance even when listed as a co-insured. Specifically, it may make sense for self-employed boat delivery captains to retain skipper liability insurance.

This coverage may help provide an additional layer of liability protection for captains in situations involving third-party damage or injury.

In general, delivery captains should contact Casey Insurance Brokers about upcoming voyages to ensure adequate insurance protection ahead of the journeys. For instance, captains working with a crew may be subject to additional insurance requirements and risk exposures.

Insurance for Boat Captains in Plantation, FL

For self-employed boat delivery captains, operating vessels owned by others requires careful consideration of insurance coverage to protect their business and livelihood. Contact Casey Insurance Brokers to speak with an experienced insurance agent. We can tailor a comprehensive insurance portfolio that meets the unique needs of boat captains so they can navigate the seas with confidence.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.