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New customer to Sun Coast? You are in the right place. Select a product below to get started.
Bodily injury liability may help cover medical expenses, lost wages, and pain-and-suffering damages for other people injured in an accident where you are at fault. This includes passengers on other vessels, swimmers, and other PWC operators.
Property damage liability may help cover repair or replacement costs for other people's boats, docks, equipment, or other property damaged by your PWC.
Legal defense costs may be covered if someone sues you following a PWC accident. Legal fees alone can be substantial even when a claim is ultimately resolved in your favor.
Most marinas, launch ramps, and organized events require a minimum of $300,000 in liability coverage as a condition of access. That's a reasonable baseline for recreational riders.
Higher limits — $500,000 or $1,000,000 — are worth considering if you ride frequently, operate on high-traffic waterways, or own significant personal assets that could be exposed in a lawsuit. An umbrella policy can provide additional coverage above your primary PWC policy limits.
