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commercial boats at dockMany understand the necessities of proper commercial boat insurance. But, the intricacies of coverage may be hard to grasp. A commercial boat insurance policy is incredibly useful. Even basic coverage will likely protect a crew and passengers from personal injury. 

Liability coverage is almost always supplied. But, you should take a look at the other areas commercial boat insurance covers. It just might make the difference when selecting a policy.

Hull Coverage

Commercial boat insurance covers physical damage to a craft’s hull. Hulls can become damaged rather easily. In many cases, a commercial boat policy will cover hull damage on an all-risk basis. So, if hull damage or loss isn’t excluded within the policy, then it is immediately covered. Such coverage often includes attached equipment and hull-stored belongings, too. This extends typical policy limits to personal property.

Replacement Coverage

For commercial boats particularly, replacement coverage is invaluable. Replacement coverage often helps commercial providers get back to the water quickly. While not every policy includes replacement coverage, high-quality ones do. A craft’s speedy replacement can save lost revenue, time and difficult repairs.

Pollution Liability Coverage

Too few commercial boat operators consider pollution liability to be a factor. However, offshore damages, sinks and even emission issues can create pollution expenses. Materials aboard your vessel may indeed be hazardous. Your business can be liable if pollution occurs. By securing pollution liability coverage, however, you can safeguard your business against hefty expenses.

Towing and Emergency Assistance

Emergency assistance, too, is a common component of commercial boat insurance policies. While operating costs may not merit emergency towing, they should. 

A policy covering emergency assistance is invaluable. It can absolutely reduce or remove personal injury claims caused by an accident. A commercial boat’s lifetime experiences quite a few damaging situations. Maintaining emergency support through your policy is important.

Other Options

In general, it’s important to secure your business’s financial security. Many variables exist during docking, fueling and traveling. Many of these accidents can cause permanent fiscal damage to a business. In any case, contact your future provider today. Many policy options exist, and many can create perfect protection options for your commercial vessel.

If you have questions about commercial boat insurance, call Voyager Insurance Services today at (800) 342-4444.
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