The Yacht insurance programs available through Trafalgar were designed to protect a variety of pleasure craft 27 feet and greater in length. Each program provides a full range of coverages and includes liberal navigational limits. The major coverages included in a yacht policy are described below:

• Physical Loss or Damage (Hull insurance)
• Protection and Indemnity
• Medical Payments
• Uninsured Boaters
• Federal Longshoremen's and Harbor Workers' Compensation
• Personal Property
• Towing and Assistance
• Trailer Coverage

Call for More Information

For more information about the available Yacht insurance programs, please call 1.800.221.3884. The availability of each Yacht insurance program may vary by state. An insured's actual benefits and policy features are dependent upon the specific options selected.

 

Trafalgar offers an uncommon program designed to address the specialty insurance needs of high performance boat owners. These high-speed vessels require a unique level of underwriting expertise to secure insurance coverage, and the staff at Trafalgar have decades of experience with all types of faster pleasure boats.

The High Performance Boat program provides the following coverages:

• Physical Loss or Damage (Hull insurance)
• Watercraft Liability
• Medical Payments
• Uninsured Boaters
• Oil Pollution
• Personal Property
• Towing and Assistance
• Optional coverage for the vessel's Trailer also available

Call for More Information For more information about the High Performance Boat insurance program available through Trafalgar, call 1.800.221.3884. The availability of each High Performance Boat insurance program may vary by state. An insured's actual benefits and policy features are dependent upon the specific options selected.

 

The Personal Watercraft insurance programs offered provide coverages to meet the special insurance needs of personal watercraft and their owners, including:

• Watercraft and Equipment
• Watercraft Liability
• Medical Payments

Optional Protection includes:

• Accessories Coverage
• Watersports Liability
• Trailer Coverage
• Optional Deductible Levels

Call for More Information

For more information about the Personal Watercraft insurance programs available through Trafalgar, call 1.800.221.3884. The availability of each Personal Watercraft insurance program may vary by state. An insured's actual benefits and policy features are dependent upon the specific options selected.

 

Another unique program provided through Trafalgar is the Liveaboard insurance program, which combines traditional recreational watercraft coverage with the endorsements necessary to protect a vessel as one's home.

Recreational Watercraft Coverage includes:

• Hull Insurance
• Protection and Indemnity
• Medical Payments
• Federal Longshoremen's and Harbor Workers' Compensation
• Trailer Coverage

Liveaboard Endorsements include:

• Personal Property
• Personal Liability

Call for More Information

For more information about the Liveaboard insurance programs, call 1.800.221.3884. The availability of each Liveaboard insurance program may vary by state. An insured's actual benefits and policy features are dependent upon the specific options selected.

 

The Trafalgar Independent Ship Repairers Program is designed for artisans and contractors who serve the marine industry. The program offers two major insurance coverages - Ship Repairers Legal Liability (SRLL) and Comprehensive Marine Liability (CML).

Coverage Descriptions

Coverage is available up to $1,000,000, with a $2,000,000 general aggregate and $2,500 deductible, for the coverages described below.

• Ship Repairers Legal Liability (SRLL)
  SRLL covers loss, damage or expenses to any property temporarily in the insured's care, custody or control for the sole purpose relating to the conduct of the insured's business. Also covered are related legal defense costs.
• Comprehensive Marine Liability (CML)
  CML provides payments for bodily injury or property damage that the insured becomes legally obligated to pay, occurring in the course of professional services provided by the insured and subject to the exclusions stated in the policy.

Program Advantages

The Independent Ship Repairers Program also provides:

• Affordable group rates
• Low annual premiums for $1 million in liability, based on gross business receipts (lower liability limits are available upon request)
• The ability to add unlimited additional insureds at no extra charge
• Protection and Indemnity coverage for workboats used in the course of the insured's business, for a small additional premium
• No annual premium adjustment during the policy term
• A quick and easy enrollment process

Call for More Information

For more information about Trafalgar's Independent Ship Repairer program, call 1.800.221.3884. The availability of the Trafalgar Independent Ship Repairer programs may vary by state. An insured's actual benefits and policy features are dependent upon the specific options selected.

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