Boat Rental Insurance

Renting out boats means dealing with all kinds of customers—some experienced, some brand new—and that brings risk.

Even with simple equipment like kayaks, accidents can happen, and your business could be held responsible. Boat rental insurance helps protect you from injuries, property damage, and liability claims tied to your rentals. It’s tailored to the unique risks of your operation, giving you peace of mind when the unexpected happens.

General Liability for Boat Rental

General liability is the base level of coverage that accounts for physical injuries or property damages.

So if a customer rents a kayak from you and tips over on the river, this covers things if they're injured. Maybe they scrape their leg badly on a submerged rock and need to get it treated at an urgent care center. They may sue your company to get their bills paid, whether because they think there was something wrong with the boat you rented to them or because they can't afford the bill themself.

General liability policy will pay the medical bills, the costs of replacing personal property, even any legal fees if a lawsuit happens too.

Business Owner's Policy (BOP) for Boat Rental

A Business Owner’s Policy combines general liability and property insurance, protecting your dock, office space, and equipment.

Imagine a storm damaging your rental office and docks; your BOP covers repair costs and lost business income during downtime.

Excess Liability for Boat Rental

When really big events happen, it may be more than your general liability policy can handle. That's what excess liability coverage is for. It kicks in to cover damages above and beyond what your base policy does.

Say for example, that you rent a party boat out for a family reunion. A big accident causes many serious injuries and lawsuits. Your general liability will cover up to a specified amount, and then the excess liability will take over to cover the remaining.

Workers Comp Insurance for Boat Rental

When you have employees, there's always a chance someone will get hurt while working. Workers' compensation--which is mandatory in most states--is designed to help in those instances.

Employee injuries happen in many ways. Someone could slip on the dock securing a motorboat, or strain their back lifting a canoe. Workers' comp will take care of their related medical bills and pay their wages while they recover.

Boat Rental Safe Practices

Regularly inspect boats and equipment before rentals.
Provide comprehensive safety instructions to customers.
Maintain docks and facilities to prevent slips and falls.
Conduct regular employee training on emergency procedures.
Clearly post safety signage and emergency contact information.

Why Choose USA Insurance

USA Insurance would like to be your trusted partner for boat rental insurance. Here's why we think you should choose us:

We have over 19 years of commercial insurance expertise.
We're licensed nationwide, so we can launch policies fast in all 50 states.
We create customized coverage designed specifically for your boat rental business.
We give you affordable, flexible payment options.

You can get started today by either calling our toll free number, or clicking here to access our online form.

Start Your Quote Now!

FAQs - Boat Rental Insurance

How Much Should I Expect to Pay For Boat Rental Insurance?

We tailor your plan to meet your company's budget.

How Do I Go About Buying Boat Rental Insurance for My Company?

What is an Additional Insured Endorsement?

This is an add on that helps protect other companies you work with if something goes wrong.

What is a Certificate of Insurance?

It's proof of coverage outlining your policy limits and insured services, usually required by clients or marinas.

How Can I Save on Business Insurance in My State?

Combine policies, maintain a good claims history, and regularly review your coverage for potential discounts.