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Small Boat Insurance

The Boatsman® Policy and its many special endorsements are designed exclusively for all types of pleasure boats less than 27’ in length.  We provide the highest level of boat insurance through tailored protection, offered at competitive rates, along with valuable features to protect both boat owners and their vessels.


  • Comprehensive, all-risk and agreed value protection.
  • Capability to customize boat insurance policies with a multitude of optional coverages and endorsements.
  • Medical payments benefits provided on a per person basis, rather than per occurrence.
  • Most liberal navigational limits available, with coverage while afloat, ashore or being transported by trailer anywhere within the continental United States, Alaska, Hawaii or Canada.


  • Agreed Value Coverage – We pay the entire agreed amount, with no deductible, for a total loss.
  • Replacement Cost Loss Settlement – Repair or replacement of covered property is paid for without deduction for depreciation on most partial losses.
  • Liability Protection – Limits of coverage to suit your personal needs, including: legal defense costs, pollution clean up and containment coverage and wreck removal.
  • Medical Payments – Reasonable medical and related expenses are included for all those onboard, boarding or leaving the covered vessel.  These benefits are provided on a per person basis, rather than per occurrence.  Optional and customized limits are available.
  • Uninsured Boater Coverage – Pays for bodily injury to persons aboard the insured watercraft who are injured by an uninsured owner or operator of another vessel.
  • Longshore and Harbor Workers’ Compensation Act (LHWCA) – When Liability coverage is purchased, coverage is automatically provided for those employed aboard the vessel who are within the jurisdiction of the LHWCA.
  • Personal Property & Fishing Equipment Coverage – Protection is automatically included for the clothing, personal effects and fishing gear of the boat owner and their guests.  Optional higher limits are available.
  • Towing & Assistance – We automatically include this coverage with optional higher limits available.
  • Trailer Coverage – Optional trailer coverage is available.

Optional Endorsements

Boatsman® Policy with Actual Cash Value Endorsement – A more affordable boat insurance policy that provides actual cash value coverage for a discounted premium, by covering the insured boat up to its current market value in the event of a total loss, with consideration given to depreciation and condition of the vessel at the time of loss.  With this endorsement, payments made for Partial Loss Settlement are reduced by depreciation of damaged items, and the policy deductible will be applied.

Boatsman® Endorsements – Our valuable policy endorsements enable you to enjoy the highest degree of tailored small boat coverage. These include, among many others:

  • Replacement Cost for Outdrive Units and Outboard Motors – For an additional premium, this endorsement provides replacement cost coverage for outboard motors and outdrive units, five years old or newer.


  • Special Sport Fisherman Coverage Endorsement – For an additional premium, boat owners can purchase optional fishing gear coverage limits of $2,500 or $10,000 with a $100 deductible. This endorsement also includes replacement cost coverage for outboard and outdrive units, 10 years old or newer.


Niche Markets

ACE Recreational Marine Insurance offers a variety of programs with the flexible options needed by experienced owners of specialized small boats, including:

Bass Boats – We can generally accommodate these vessels used in tournaments and in fresh water and/or brackish water.

Pontoon Boats – Coverage is available for these boats, less than 10 years old and used in inland waters.

Older Boats – We offer options for small boats 20 years and older, and a Classic Boat Insurance program for classic and vintage power and sail boats.

Personal Watercraft – View our Personal Watercraft program designed exclusively for PWC owners.


Document Name Size Date
Boatsman Coverage Highlights.pdf 0 KB 05/02/2012


Document Name Size Date
Marine Insurance Application.doc 0 KB 02/07/2014