Owning a boat offers endless opportunities for adventure and relaxation—but it also comes with responsibility. Whether you're cruising the lake with friends or navigating open waters, accidents can happen—and when they do, knowing what your boat insurance covers is critical.

One of the most frequently asked questions by boat owners is: Does my boat insurance cover personal injuries? The answer? Yes—but it depends on the type of coverage you have. Let’s break down how personal injuries fit into a typical boat insurance policy and what protections you should consider to stay safe and covered.

Understanding Boat Insurance Coverage

A standard boat insurance policy typically includes several types of coverage:

• Physical Damage Coverage
  Pays for repairs or replacement of your boat if it’s damaged by a covered peril like collision, fire, theft, or storm damage.

• Liability Coverage
  Covers damage or injuries you cause to others, including other boats, docks, or swimmers.

• Medical Payments Coverage
  Helps pay for medical expenses if someone is injured on your boat, regardless of who is at fault.

• Uninsured/Underinsured Boater Coverage
  Protects you if you’re injured by another boater who has no insurance or insufficient coverage.

So, Are Personal Injuries Covered?

Here’s how different parts of your boat insurance policy may apply to personal injuries:

1. Injuries to Others (Not You)

• Covered by: Liability Coverage
• If a guest on your boat or someone in the water is injured due to your negligence (e.g., reckless operation), liability coverage can help pay for their medical bills, legal fees, and damages.
  
  

2. Injuries to Passengers (Regardless of Fault)

• Covered by: Medical Payments Coverage
• This optional add-on pays medical costs for anyone injured on your boat, whether or not you’re at fault. It typically covers hospital visits, ambulance rides, and even minor procedures.
  

3. Injuries to You, the Boat Owner

• May be covered by: Uninsured Boater Coverage or Your Health Insurance
• Boat insurance usually doesn't cover injuries to the policyholder unless you have additional coverage like Uninsured Boater or Personal Injury Protection (if offered). Your personal health insurance may also step in.
  
  

What’s Not Typically Covered

• Injuries during illegal activity or reckless behavior
• Injuries from racing (unless explicitly included)
• Wear-and-tear or maintenance-related injuries
• Workers or crew members on commercial vessels (requires separate coverage)

Always read your policy closely and ask your insurer about exclusions.

5 Tips for Making Sure You’re Properly Covered

• Include medical payments coverage in your policy, especially if you frequently host guests.
• Ask about personal injury coverage for yourself and your family.
• Add uninsured boater protection to your policy—it’s a low-cost, high-value safety net.
• Keep safety gear onboard, such as life jackets, fire extinguishers, and a first aid kit—some insurers may offer discounts for this.
• Review your policy annually to make sure it still meets your needs as your boating lifestyle evolves.
  
  

Final Thoughts

Personal injuries are a very real possibility on the water, and understanding your boat insurance coverage is key to protecting yourself and your passengers. The right combination of liability, medical payments, and uninsured boater coverage can give you peace of mind and help you sail safely—knowing you're financially protected if the unexpected happens.

Because enjoying your boat is easier when you know you’re covered from bow to stern.


At Freedom Insurance Group, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get additional information about our products and services by calling our agency at 828-322-7474. Get a free quote today by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.