Boat Insurance: What is Watercraft Liability Coverage?

When you’re out spending a day on the Meramec River the last thing you expect is to get in a boating accident. But unfortunately, boating accidents in the US are very common. In 2013 alone there were a reported 4,062 boating accidents in the US alone, resulting over $39 million in property damages. Luckily, with the help of comprehensive boat/watercraft insurance from GTW Insurance, you can feel safer each time you’re out on the water.

What Does Liability Insurance Cover?

Liability coverage is the minimum level of protection needed for most boaters to feel safe out on the water. It works to protect you in the event of an accident where you or someone else sustains a bodily injury. This includes passengers aboard your water craft or another watercraft that was involved in the accident. It also works to help cover repair or replacement costs for personal property that was damaged in association with an accident. This could include personal items and damages to the boat itself.

Proper insurance coverage is the first line of defense in the event of an accident on the water. If you are unsure of what your current policy covers it may be time to upgrade with the help of GTW Insurance. Our independent agents can easily help you compare quotes online from multiple national providers to find the coverage you need at a price that fits your budget. From comparing quotes to making a claim, we’re here to help you through each step of the insurance process.

Get the Coverage You Need Today

Don’t get caught without the right level of coverage when you need it the most. Instead, visit GTW Insurance online today to start comparing quotes from top national providers in just minutes and save on your next boat/watercraft insurance policy.

Sure You Are Ready For Spring, But is Your Business?

Ask anyone around Saint Charles, MO if they are ready for spring and you will either get a sarcastic look or a resounding yes. It has been a long winter. It is not even helpful to realize that others have had it worse. We are all simply ready for spring. But is your business?

Spring can bring severe storms, and heavy rains. Will your commercial insurance cover you in case a lightning strike damages your electronics? If high winds cause roof damage, will you be covered from the potential water damage? What if there were to be flooding at your business? Are you sure you have the specific coverage necessary to cover flooding damage?

If you are not certain, now is the time to contact us at GTW Insurance. We are an independent insurance agency that serves the 63301 area zip code. We offer no obligation commercial insurance reviews. Because we are an independent insurance agency, our agents can review your commercial insurance policy no matter where it was purchased. Our status as independent agents also gives us the ability to search for the best coverage at the best price. We can do this without cutting corners on your protection. In fact, many times we have improved our client’s coverage without increasing costs.

For convenient quotes on your homeowners and auto insurance policies, visit our website. There you can get a comparative quote right online. For commercial insurance, we suggest you contact us directly. We certainly are emotionally ready for spring, but is your business ready for the potential spring storms ahead? Give yourself the peace of mind you deserve with a complimentary insurance review. Contact GTW Insurance today. We are proud to serve the Saint Charles area.