Personal watercraft coverage

PWC insurance that gets our personal attention.

At Markel, we understand the unique needs of PWC owners. It's our goal to make sure those needs are always met with specialized PWC insurance. As you well know, many personal watercraft are designed to hold additional passengers and even pull water-skiers.  While this adds to the fun, it can also increase your risk of liability. Markel's personal watercraft insurance coverage, including watercraft liability, medical payments, and personal effects, can help protect your assets.  After all, fun begins with peace of mind.

Physical damage to your PWC
Our goal is to keep you on the water. Markel personal watercraft insurance coverage offers actual cash value (ACV), which is the cost to repair or replace your PWC, less depreciation, in the event of a claim.

Watercraft liability insurance
Markel's personal watercraft liability insurance coverage will pay damages for bodily injury or property damage for which you become liable through ownership, maintenance, or use of your insured PWC. This includes liability for property damage to another vessel, injury to a guest passenger, as well as watersport liability coverage (which is important if you pull a skier) at no additional cost.

In addition, we automatically include uninsured boater coverage with our watercraft liability protection to help if you're in an accident with a boater who isn't properly covered. 

Your personal watercraft insurance rates will be based on your selected limit of liability, ranging from $25,000 to $1,000,000.

Medical payments
This coverage will pay the cost of necessary medical treatment resulting from an accident causing bodily injury to any person while using the personal watercraft with your permission. Coverage of $1,000 is included with your policy; limits up to $5,000 are available for an additional charge.

Should your PWC break down, we've got you covered. Your policy includes towing coverage that will reimburse the reasonable cost you may incur (up to the limit purchased) from commercial assistance:
  • Towing to the nearest place where necessary repairs can be made
  • Delivery of gas, oil, parts, or a loaned battery while away from safe harbor
  • Emergency labor while away from safe harbor

You'll find $500 towing coverage included in your policy at no additional charge. Higher limits are available for purchase, if you prefer.

Personal effects
From cameras and cell phones to personal flotation devices, $500 personal effects coverage is included with your policy to help protect the personal belongings aboard your PWC.

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*Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call a Markel Insurance Specialist at 1-800-236-2453.

Markel Customer Service
Hours of operation:
Mon.–Fri., 7:00 a.m.–8:00 p.m. CST
Sat., 9:00 a.m.–5:00 p.m. CST


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