When you’re gliding across the water on a warm summer day, the last thing you want to consider is the possibility of someone getting injured. However, just like on the road, boating accidents can occur unexpectedly. That’s why having adequate boat insurance is not just a good idea—it’s essential. At Premier Insurance Agency, serving the Detroit, MI region, we work with boat owners to ensure they’re fully protected, especially regarding onboard injuries.

Understanding Liability Coverage

Liability coverage is a critical component of a boat insurance policy. If someone gets injured while on your boat and you’re deemed responsible, this coverage helps pay for their medical expenses and any legal fees if a lawsuit arises. Whether it’s a friend who slips or someone injured in a collision, liability protection can significantly impact how these costs are managed.

Medical Payments Coverage

Medical payments coverage can step in even if you’re not at fault. This part of your policy helps cover medical costs for injuries that occur on your boat, regardless of who caused the accident. It’s a valuable layer of protection that can cover anything from minor cuts to more serious injuries.

Accidents Around the Boat

Boat insurance can also assist with injuries that happen during launching, docking, or loading equipment. These moments can be unpredictable, and having coverage extending the open water is a wise decision.

If you want to ensure your boat insurance covers what matters most, contact Premier Insurance Agency, which is proudly serving the community in and around Detroit, MI. We’re here to help you feel confident every time you set sail.