Purpose-Driven Insurance Leader
The Hartford is a leader in property and casualty insurance, group benefits and mutual funds. We are proud to be widely recognized for our customer service excellence, sustainability practices, trust and integrity.
Underwriting Human Achievement
For more than 211 years, we have provided people and businesses with the support and protection they need to pursue their unique ambitions, seize opportunity and prevail through unexpected challenges. We view underwriting human achievement to be at the heart of what we do, aiming to build resilience in our communities, empower personal and business success for our customers and create a culture where our employees can thrive.
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Business Auto
What Is Commercial Auto Insurance?
commercial auto insuranceCommercial auto insurance helps cover the costs of an auto accident while you or an employee uses a company-owned car for business. This coverage can help pay for property damage and medical expenses – even in the event of a fatal accident.
Commercial auto insurance can help protect your business if, for example:
An employee hits a pedestrian while driving a vehicle for business. The pedestrian requires medical treatment that results in costly medical expenses.
You swerve off the road while driving to work in a company car and take out a residential mailbox.
An employee drives to work in a company vehicle, hits another car and totals it.
Get a commercial car insurance quote today to learn how you can protect your business while on the road.
What Does Commercial Auto Insurance Cover?
Although coverage availability and requirements vary by state, these are some of the common types of commercial auto coverages available to business owners.
Bodily Injury Liability Coverage helps pay for the other driver’s medical expenses.
Property Damage Liability Coverage pays for damage that you or your employees cause to someone else’s property.
Collision Coverage helps pay to fix or replace your business car if you hit something, like another car or pole.
Comprehensive Coverage can help pay for car damages caused by theft, fire or natural disasters.
Medical payments coverage can help pay for medical expenses for your employees and their passengers in the event of an accident, such as medical treatments and rehabilitations, dental care or funerals.
Uninsured/Underinsured Motorist Coverage helps pay for you or your employees’ medical expenses or to fix your car if the other driver lacks enough liability coverage.
Rental Car Coverage offers liability coverage while you or your employees are driving a rental vehicle for business. Many rental companies have loss damage waivers or a collision damage waiver that you can sign to avoid paying for property damage to a rental car.
Personal Injury Protection (PIP), also known as no-fault insurance, can help cover medical expenses, lost wages or funeral costs after an accident, no matter who is at fault.
Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident with a personal, rented or leased car that was used for business errands. However, this type of commercial vehicle insurance coverage will not pay for damages to your car.
Who Needs Commercial Auto Insurance?
Consider commercial auto insurance if your business:
Owns, leases or rents vehicles, such as cars and trucks
Has employees who drive their own vehicles for business
Has employees who operate leased, rented or owned company vehicles
Crimes, Bonds, Surety, Fidelity
When supply or service contractors need to assure their customers that
they’ll perform services as contracted, The Hartford’s here to help. With
our commercial surety expertise behind them, your clients can rely on
seasoned bond services, including:
• A dedicated, national network of underwriting and sales experts with
regional specialization
• In-depth, broad industry knowledge to serve a wide variety of businesses
• Solutions for small to large, private and public entities
Whether your clients are public or private entities, their bond needs varied
or complex, The Hartford’s broad experience can help protect your client’s
best interests.
BOND SERVICES FOR A WIDE VARIETY OF INDUSTRIES
Our professional team of underwriters evaluates your client’s business
and obligation on its own merits. And our in-depth industry knowledge
facilitates a quick and equitable underwriting decision when needed.
D&O, E&O, EPLI, Cyber
What Is Errors and Omissions Insurance?
Errors and omissions insuranceErrors and omissions insurance, also known as E&O insurance and professional liability insurance, helps protect you from lawsuits claiming you made a mistake in your professional services. This insurance can help cover your court costs or settlements, which can be very costly for your business to pay on its own. Learn more about what errors and omissions insurance coverage is.
What Does E&O Insurance Cover?
Errors and omissions insurance helps protect your business from claims of:
Negligence
Errors in services given
Omissions
Misrepresentation
Violation of good faith and fair dealing
Inaccurate advice
If someone sues your business for making a mistake in the professional services you’ve provided, this insurance can help cover your:
Attorney fees, which can cost an average of $3,000 to $150,000.
Court costs, like reserving a courtroom or paying for expert witnesses.
Administrative costs to put your defense together, such as paying office managers or court reporters.
Settlements and judgments, which can cost a couple thousand to millions of dollars.
Errors and omissions insurance only helps cover claims if:
It’s filed within your policy period or the extended reporting period
The incident occurred on or after your retroactive date
The retroactive date means incidents that happen on or after a certain date in your policy are eligible for coverage. The extended reporting period helps cover claims filed within a certain period of time after your policy expires.
Why Do You Need Errors & Omissions Insurance?
E and O insuranceWithout errors and omissions insurance, the cost of liability claims can be so expensive that they could put your business at risk of closing. Even if your customer drops their claim, your legal expenses could still be thousands of dollars. And if you’re found at fault or agree to settle the claim out of court, you can expect to pay a large amount out of pocket.
That’s why it’s important to protect your business with errors and omissions coverage.
Who Needs E&O Insurance?
E&O insuranceBusinesses that provide a service to customers should carry errors and omissions insurance. This includes:
Accountants
Engineers and engineering firms
Advertising firms
Educators
Landscapers
Marketing firms
Website developers
Consulting companies
Barbershops and hair salons
Printing and publishing companies
Pet services, such as veterinarians and pet groomers
E&O Insurance for Insurance Agents
What Errors and Omissions Insurance Doesn’t Cover
Errors and omissions insurance doesn’t help cover claims from events that happened before your policy’s retroactive date. It also doesn’t help your business with claims filed after your policy’s extended reporting period.
Be aware that errors and omissions doesn’t cover every type of liability claim. This insurance won’t help your business with claims of:
Illegal acts and purposeful wrongdoing, such as intentionally breaking the law or deceiving your customers or clients.
Bodily injury or property damage that your business causes. For these kinds of claims, you’ll need a general liability insurance policy.
Employee injuries or illnesses caused by their work. A workers’ compensation insurance policy can give your employees benefits to help them recover from a work-related injury or illness. Be aware that many states require this coverage if you have employees.
Discrimination or harassment in the workplace that your employees file. Getting employment practices liability insurance can help cover these types of claims.
Errors and Omissions Insurance Cost
Errors and omissionsEvery business has unique needs, so your errors and omissions insurance will cost a price that’s specific to your company. However, no matter what you pay, when you consider the cost of errors to your business, paying an insurance premium is worth it.
You can help keep your errors and omissions insurance cost down by:
Training your employees
Checking your contracting system for quality control
Communicating with customers regularly about issues to make sure they’re satisfied
Different factors can impact your errors and omissions insurance cost, such as:
Business risk: If you’re in a higher risk industry, you’ll likely pay a more expensive rate. For example, a business owner of a financial consulting company that gives advice on investing millions of dollars will probably have a higher premium than a smaller financial advisor.
Coverage limits: The higher your policy limits, the more coverage you’ll have, which usually means higher premiums.
Claims history: Typically, you may pay more for your E&O coverage if you have a history of liability claims made against your business.
Location: Rates will most likely vary depending on where your business is. For instance, you may have a higher insurance cost if you operate in a busy city.
Learn More About Errors and Omissions Insurance From The Hartford
We’re an insurance company backed by over 200 years of experience. We understand your business has unique needs and we’re here to help get you the coverage you need. Get a small business insurance quote today and learn how we can start protecting your business.
Inland Marine
What Is Inland Marine Insurance?
Inland marine insurance is a type of marine insurance coverage that covers a wide range of specialized property. For example, an inland marine policy from The Hartford can cover items such as medical diagnostic equipment, fine art, solar energy equipment and even clothing left at a dry cleaner. Our inland marine coverage can also cover property designed to facilitate transportation or communication such as commuter rail systems and cell phone towers.
Commercial inland marine coverage from The Hartford is often used to provide protection for assets and property that is movable or could be in transit over land as well as property owned by others that is in the possession of the policyholder or on the policyholder’s premises.
Middle Markets
Who We Serve
We provide tailored solutions to accounts that have higher-hazard, hard to place exposures or require specialized underwriting on a guaranteed-cost basis. Each program is specifically designed to cover unique homogenous risks. Programs are structured as:
Open Access available directly to all Hartford agents.
Administered available through a particular Program Administrator/Managing General Agent and accessible to all Hartford agents.
Our Appetite
General liability is the preferred lead line
Higher-hazard exposures
Small, midsize and large businesses
Specific classes including, but not limited to:
Open Access Programs
Alarm Contractors
Arborist & Landscaper
Architects & Engineers
Equipment & Party Rental
Express Program: For Alarm, Arborist & Landscaper, and Pool & Spa businesses with premiums in the $5,000 – $50,000 range
Pool & Spa Contractors
Specialized Truck Equipment & Trailers
Administered Programs
Adaptive Mobility
Architects & Engineers (ACEC)
Botanical Gardens
Charter First School
Railroad Contractors
Security Guards
Our Solution
Our full range of products available:
General Liability
Commercial Auto
Workers’ Compensation
Property
Inland Marine
Umbrella
Why Choose The Hartford
Servicing program business for more than three decades
Broad industry appetite
Dedicated program underwriters
Guaranteed-cost rating plan structure
Specialized coverages
Ocean Marine
The Hartford offers a broad selection of Ocean Marine insurance products. These include: Ocean Cargo insurance, Hull and Machinery insurance, Protection and Indemnity insurance, and Marine Liability insurance, both primary and excess.
If you need to protect goods in ocean transit, the ships that carry those goods, the crew or passengers aboard, or storage for cargo – domestically and abroad, The Hartford can help.
Our coverage is flexible and customizable, which means The Hartford can help you tailor your marine insurance policy to address your needs and the unique maritime exposures facing your business.
Ocean Marine Insurance Coverages
Ocean marine insurance supports international trade and all types of maritime operations. Today’s globalized economy means that ocean marine coverage is a necessity for most manufacturing and distribution operations, as well as vessel operators, marine management and other shoreside activities.
Small Commercial
Get Small Business Insurance
Whether you’re in the retail, construction or financial services industry, most small business owners need small business insurance. Having it can help protect the livelihood you’ve worked so hard to build. The right small business coverage can help cover expensive damage and lawsuits from:
Accidents
Natural disasters
Professional errors
Workers’ comp claims
Find the Right Type of Insurance for Your Small Business
Small business insurance helps protect your company’s personal property and income. It also helps safeguard you against liability claims. Learn more about what small business insurance is.
General Liability Insurance
This helps protect your business and its assets in the event of a lawsuit for things like negligence, bodily injury, property damage, libel and slander.
Workers’ Compensation Insurance
Most state laws require you to carry this insurance to help compensate employees for expenses associated with work-related injuries or illnesses like medical bills, rehabilitation and lost wages.
Data Breach Insurance
Data breach insurance, also known as cyber insurance, helps cover liability expenses from technology-related risks such as a data breach or cyberattack. If you collect, store, send or receive customer information, it’s important to protect against cyber risks.
Commercial Auto Insurance
Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a vehicle for business reasons, having the right commercial vehicle insurance is important.
Professional Liability Insurance
Professional liability insurance helps protect you and your company if you’re found negligent in the professional services you provided to a client, even if you didn’t make a mistake.
Business Property Insurance
Business property insurance helps protect your owned or rented building, tools and the equipment you use to operate.
Business Income Insurance
Business Income Insurance, also known as business interruption coverage, helps replace your lost income if you can’t operate because of covered property damage. This includes damage from a fire, wind or theft.
Tech-Life Sciences
What Is a Life Science Insurance Policy?
A life science insurance policy includes coverage to help protect your business from various risks. This can include:
Strict regulation
Supply chain interruption
Patient injury
Product or sample loss, recall or spoilage
While it’s important to manage these risks, you’ll still face other common issues that small businesses face, like property damage or bodily injury. That’s why we offer business insurance that can help keep you protected no matter what comes.
Life sciences liability
Who Needs Life Sciences Liability Insurance?
Some types of businesses that need life science insurance include:
Biotechnology companies
Medical device companies
Businesses that are doing clinical trials
Dietary supplement and nutraceutical companies
Life science service organizations
Biotech insurance
Basic Life Science and Biotech Insurance
Biotech companies and businesses in the life sciences industry can benefit from a Business Owner’s Policy (BOP). It combines three types of business insurance coverages into one convenient policy:
General liability insurance
Commercial property insurance
Business income insurance
Workers Compensation
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance gives employees medical, wage and other financial benefits if they are injured or become ill on the job. This coverage is required in most states. Workers’ compensation insurance is also known as workman’s comp or workers’ comp insurance.
employee recovering from work-related injury with workers’ comp
What Does Workers’ Compensation Insurance Cover?
Workers’ compensation insurance helps your employees recover from work-related injuries and illnesses so they can get back to work faster. Workers’ comp benefits can help:
Cover medical care and medical treatment
Replace most of their lost wages if they take time off from work to recover
Provide disability benefits
Give death benefits, like helping pay for a funeral if they lose their life in a work accident or from a job-related illness
Workers’ comp coverage also has benefits for small business owners. For example, it includes liability insurance coverage. So, if your business faces lawsuits from injured workers or their families, workers’ comp can help pay for your legal costs.
Personal Auto
Great Rates and Rewards on the AARP Auto Insurance Program From The Hartford
Since 1984, the AARP® Auto Insurance Program from The Hartford1 has offered car insurance exclusively for AARP members.
Through this program, you’ll enjoy great AARP auto insurance rates and rewards exclusively for AARP members. You may even get additional car insurance discounts and savings.
To learn more about these savings and benefits, get an AARP car insurance quote from The Hartford today in as little as eight minutes. Customized Car Insurance Coverages
The AARP Auto Insurance Program from The Hartford makes it easy to customize car insurance coverage to fit your needs.
With this coverage, you’ll be protected if:
You Cause an Accident
Car insurance policies include two types of liability coverage to help protect you if you’re at-fault in a car accident. If you cause an accident that injures another driver, bodily injury liability can help pay for their medical expenses. Property damage liability coverage can help cover costs if you damage property that doesn’t belong to you, such as someone else’s car or house.
Your Car Is Damaged in a Collision
With collision insurance, you’ll be covered if your vehicle is damaged from a collision with another car or object, like a tree or fence.
Your Car Is Damaged by Something Other Than a Collision
Comprehensive insurance, or “other than collision coverage,” helps cover you in situations where your vehicle is damaged in a non-collision event. For example, this coverage can help pay the costs to repair your car if it’s damaged by a natural disaster, vandalism or hitting an animal.
You Are Hit by an Uninsured or Underinsured Driver
If you’re involved in an accident with a driver who doesn’t have insurance or enough insurance to cover damages, uninsured/underinsured motorist coverage can help you stay protected.
Preferred Markets
Condominium
Get a Great Condo Insurance Rate With Your AARP Membership
You’ve worked hard turning your condo into a place you can call home. The AARP® Home Insurance Program from The Hartford1 can get you the customized coverage you need to protect it at a price that fits your budget. You may even qualify for condo insurance discounts, savings and credits that can help lower your rates.
Save even more when you bundle your auto insurance and condo homeowners insurance coverage with the AARP Home & Auto Insurance Program from The Hartford.
Condo Insurance Coverage Types
The Hartford can help you select the right condo insurance coverage for your one-of-a-kind home. Whether you’ve filled it with valuable artwork or expensive technology, we’ll help protect what you value most.
Dwelling Coverages for Condos
Dwelling coverage for condos helps protect appliances and fixtures, along with any changes or improvements you make to your condominium. It can also help protect the parts of the property you’re responsible for insuring under your property owners or condo association agreement.
Condo Personal Property Protection
Condo personal property coverage can help protect the belongings you keep in your condo. These can include furniture, clothing and appliances, depending on your policy’s limitations or exclusions.
Personal Liability
If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection can help cover your legal defense costs and any court judgments against you, up to your policy limits.
Loss of Use
Loss of use can help pay your living expenses if you can’t stay in your condo because of a covered loss, like damage from a fire.
Medical Payments
If someone gets hurt on your property this helps pay emergency medical bills up to your coverage limits. It also covers any injury that a family member or pet causes, even if it doesn’t happen in your condo.2
Ways to Save on Condo Insurance
The Hartford and AARP believe in rewarding our customers with condo insurance discounts.
Bundle Car and Condo Insurance
Bundle your condo and auto insurance with the AARP Auto & Home Insurance Program from The Hartford, you can save up to 20% on your condo insurance and up to 5% on your car insurance.**
Home Security and Safety Device Savings
Get a discount on your home insurance by upgrading your condo with a burglar alarm or fire sprinkler system.
Retiree Credit for Primary Condo Residence
We believe retirement should be the best years of your life. That’s why we offer credits for retirees. If you’re retired or work less than 24 hours a week, you can save on your condo insurance premiums.*** (Availability varies by state.)
Home
Choose the AARP Homeowners Insurance Program From The Hartford
The AARP® Homeowners Insurance Program from The Hartford can be customized to help protect the investment you’ve made in your home – all at a price that fits your budget.1 Your AARP membership gives you access to savings and credits that can help lower your rates on a homeowners insurance quote. And you can save even more when you bundle insurance with us. In fact, you’ll save up 20% on your home, condo or renters insurance when you bundle with your current auto policy. What Does Homeowners Insurance Cover?
The Hartford offers home insurance coverages for your house and personal property.
Property Damage
Most home insurance companies offer policies to help protect your home and the structures directly attached to it. Dwelling coverage helps pay the costs to repair or rebuild your home and its attached structures if they’re damaged in a covered loss, like fire, hail or lightning.
Other Structures
Homeowners insurance protects structures that are not directly attached to your home. For example, if your detached garage is damaged, other structures coverage can help with the repair costs.
Personal Property
Personal property coverage covers losses of your personal belongings, like furniture, clothing and appliances. You can purchase additional valuable items blanket coverage for your expensive items, like jewelry, artwork or collectibles.
Temporary Living Expenses
Loss of Use Coverage helps pay for your living expenses, up to your policy limits, if your home is unlivable after suffering a loss. If your house has significant fire damage, this type of homeowners insurance covers your stay in a hotel while the repairs are being done.
Personal Liability
If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability protection can help cover your legal defense costs and any court judgments against you, up to your policy limits.
Medical Payments
Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. Insurance also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.2
Umbrella
What Is Umbrella Insurance Coverage?
Personal umbrella insurance offers additional liability coverage and extends your automobile and homeowners insurance policy limits.
An umbrella insurance policy through the AARP® Auto & Home Insurance Program from The Hartford1 can help protect you and your family if:
A neighbor sues you after tripping in a hole in your yard, but your personal liability insurance only covers a portion of the claim.
Your teen causes a collision with damages that exceed your auto insurance’s property damage liability and bodily injury liability limits.
You have a guest who slips and falls at your house, resulting in a trip to the ER and you’re responsible for their medical costs.
Umbrella Insurance Policy
Personal Umbrella Insurance
Learn more about personal umbrella coverage in this video.
What Does Umbrella Insurance Cover?
Umbrella insurance helps cover certain liability claims and lawsuits that exceed the limits of your auto or homeowners insurance policies.
An umbrella insurance policy includes several liability protections, such as:
Auto bodily injury liability: This helps cover a person’s treatment costs if they get hurt in a car accident. This coverage steps in when you reach your auto liability limit.
Bodily injury liability: This can help cover another person’s medical bills. If someone gets hurt and sues you, this coverage protects you once your liability limit has been reached.
Landlord insurance: This coverage helps protect you if someone gets hurt at your rental property and sues you. This coverage helps once your liability limit has been exhausted.
Property damage liability: This helps pay for damage to another person’s property or vehicle. This coverage will take effect when your liability limit has been exhausted.
What Isn’t Covered by an Umbrella Insurance Policy?
Your personal umbrella insurance policy doesn’t cover every claim. For example, it won’t cover losses related to your business. For that kind of claim, you’ll need a commercial umbrella insurance policy.
This infographic lists some of the most common situations that an umbrella insurance policy may or may not cover:
What Does a Personal
Umbrella Policy Cover?
Umbrella PolicyUmbrella policy coverage
Some common situations that your umbrella policy will help cover include:
What does an umbrella policy cover
Damage to another person’s property
Personal liability umbrella policy
Medical bills if someone is hurt at your home
How does umbrella policy work
A settlement if you’re at fault for an accident on your property
Your umbrella policy doesn’t help cover:
Damage to your personal property from fire or theft
Contract issues that lead to someone suing your business
Losses from your business operations
Criminal actions
Multi-line
Watercraft/Boats
What Does Boat Insurance Cover?
It’s important to have the right coverage that will protect you, your passengers and your boat or watercraft while you’re on the water. No matter what type of recreational boat you own, having watercraft insurance is essential. Our boat insurance can help protect:
Powerboats: These use engines to move and are typically for fishing or watersports.
Bass and fishing boats: Also known as bass boats, these are smaller than powerboats.
Pontoon boats: These use floats to stay above water and are generally used for fishing or cruising.
Personal watercraft (PWC): These are smaller watercrafts, such as jet-skis, meant for one to three people.
Sailboats: These use sails to move through the water.
Flexible Options for Boat Insurance and Watercraft Protection
Spend your time on the water stress-free, knowing you have reliable boat insurance. Whether you have a boat or another type of watercraft, we can help protect it with vehicle insurance. Through the AARP® Auto and Home Insurance Program from The Hartford, you can stay protected and save money.1
When it comes to watercraft and boat insurance, you’ll need a plan that offers personalized protection. With boat and watercraft insurance coverage through the Nutmeg Insurance Agency,** our specialists can help you customize your policy. We’ll make sure your insurance covers your unique needs at a price that’s right for your budget.
Learn more about insuring your boat or other watercraft. Get a quote today by calling 800-555-2510.
Common Boat Insurance Coverage Questions
Do You Need Boat Insurance?
Boat insurance laws vary by state, but only Arkansas, Hawaii and Utah require boat owners to have insurance for their watercraft. However, many banks and marinas have their own requirements for watercraft insurance.
Even if boat insurance is not required, it’s still a good idea to have a minimum of bodily injury and property damage liability insurance coverage. Without coverage from an insurance company, you’re responsible for paying costs out of pocket. Claims related to boating accidents can be costly and can put your personal assets at risk.
Is a Boat Covered Under Homeowners Insurance?
Some insurance companies may provide minimum coverage for your boat through your homeowners insurance. However, not every homeowners insurance policy is the same. You can check your policy to see if it offers coverage for watercrafts. You may find your homeowners insurance policy has size restrictions or damage limits for boats or watercrafts. That’s why many boaters get watercraft insurance, because it offers more coverage and protection.
What Insurance Do You Need for a Boat?
No matter what type of boat or personal watercraft you have, it’s a good idea to get boat insurance to help protect you. It can help cover you and your passengers if you get into an accident with your boat or watercraft. And, if you damage another person’s property or hurt someone else, it can help cover claims filed against you. Your state, bank or marina usually requires a minimum amount of liability insurance, but you should consider buying additional insurance to make sure you’re fully protected, especially if you have a total loss.
How Much Boat Insurance Coverage Do I Need?
Your personal watercraft insurance coverage needs depend on your boat’s features and how you use it. If you’re using a pontoon boat to cruise around a lake, you may not need as much coverage as a powerboat. We make it easy to customize your boat insurance policy to address your specific needs. Consider these coverages to help protect your boat or watercraft:
Hull Coverage: This coverage protects you in the event of damage to your water vessel. It also includes coverage for the motor and electrical equipment that you have on board.
Medical payments: If you or your passengers get hurt in an accident, this coverage can help cover treatment costs.
Property damage liability: Helps cover the costs of physical damage or replacement costs for other people’s property if you hit it with your boat or watercraft.
Bodily injury liability: If you hurt someone else with your boat, this coverage helps cover their medical bills.
Uninsured/underinsured watercraft: If someone without insurance or not enough coverage hits your boat or watercraft, this can help pay for damages or injuries.
Personal effects coverage: Helps cover your costs to repair or replace valuables if they get damaged or lost while you’re on the water.
Emergency assistance and towing: Helps pay to have your boat or watercraft towed if it breaks down on the water.
After you have the essential coverages in your boat insurance, you may want to add more protection to your policy, such as:
Fuel spill coverage
Trailer or boat lift coverage
Discounts and Ways to Save on Boat Insurance Costs
You may be wondering, “How much is boat insurance?” The answer is that costs depend on many different factors, including:
The value of your boat
The type of boat you own
Where you live
How much coverage you purchase
We’re here to help you understand boat insurance rates and how much your cost may be. Our team can also see what insurance discounts you qualify for, helping you save on your boat insurance rate. These discounts can include:
Experience: You may have a lower rate if you have experience operating a boat or have completed boat safety courses with certifications.
Prior insurance: You can qualify for a discount if there’s no lapse in your coverage.
Loss-free renewal: When you renew your boat insurance policy for the first time, you may be eligible for a discount. You can also earn a discount if you renew it in successive years.
