Recreational Marine Coverage
Providing you with safety at sea and security on shore. Whether you own a runabout, sailboat, or yacht, we know that as you cruise across the open water, you're where you belong. Chubb offers some of the most comprehensive protection and services available, so you can enjoy your time on the water, every time you go out.
Experience the Chubb difference
Here are some of the most popular benefits, coverages, and services Chubb has to offer:
- Chubb looks for ways to prevent damage from happening in the first place. For example, if you need to move your vessel to safety because of an impending hurricane or tropical storm, there’s coverage for those costs.
- They offer coverage for sinking, collision, fire, demasting, explosion, or stranding that results from causes of loss such as wear and tear, gradual deterioration, and lack of maintenance. This important coverage is often overlooked and may be excluded from standard watercraft policies.
- Chubb offers replacement cost coverage for personal property for family members and guests aboard with no deductible.
- They don't exclude coverage for mechanical or electrical breakdown.
- You agree to the value of your boat when your policy is written. That way, you know how much you’ll get if a total loss occurs.
- You can combine watercraft of all sizes onto one single policy, and Chubb will automatically cover new watercraft purchases for the first 30 days
- Chubb provides yacht owners with services like background screenings, travel briefings, and discounted rates on security services at no additional charge.
We protect your experience on the water
Your watercraft is more than just a boat. That's why we offer protection that's tailored to your needs at every stage of your experience.
We look for ways to say yes.
When your policy is written, you agree to the value of your boat. If it's damaged beyond repair, we'll write you a check for the agreed amount and waive the deductible.
Extra protection when you need it most.
When your policy is written, you agree to the value of your boat. If it's damaged beyond repair, we'll write you a check for the agreed amount and waive the deductible.
The freedom to choose.
We offer a “Select” option with new coverages and higher limits on key coverages, and a single policy option that lets you combine personal watercraft, boats, and yachts of all sizes on a single policy.
With Chubb Claims, we're here for you.
The insurance claims process can sometimes be, well, a process. At Chubb, it's different. That's because we're not just in the insurance business, we're in the people business. Our experienced claims specialists are relentless about every detail in the most personal way possible.
*Scores are for paid claims for personal lines and commercial lines combined; surveys conducted by Chubb averaged over a 5-year period (2017-2021).
Did you know?
63
boating accidents in the 2022 calendar year
89%
of boating accidents occur on clear days with good visibility.
63%
of boating accidents happen on calm days with waves less than 6".
Source: 2023 Recreational Boating Statistics, United States Coast Guard
Choosing the right life preserver or PFD (Personal Floatation Device)
Type 1
- Often called off-shore life jackets
- Provide the most buoyancy
- Effective in all waters, especially open, rough, or remote waters where rescue may be delayed
- Designed to turn most unconscious wearers to a face-up position in the water
Type 2
- Near-shore buoyancy vests
- Suitable for calm, inland water or waters where there is a good chance of quick rescue
- Designed to turn an unconscious person face up in the water
Type 3
- Also called "floatation aids"
- Suitable for calm, inland water (similar to Type II)
- Comfortable, formfitting style
- For conscious wearers with an imminent chance of rescue
- Will not turn an unconscious person face up
Type 4
- To be thrown to a person in the water and grasped and held by the user until rescued
- It is not designed to be worn
Type 5
- Special use devices
- May be carried instead of other PFDs if used in accordance with the approved conditions designated on the label
- Include inflatable vests, deck suits, work vests, board sailing vests or hybrid PFDs
We offer some of the most seaworthy coverages and services available.
Ask your agent about Chubb Recreational Marine Insurance
Insights and expertise
We help you stay ahead — and informed — with these helpful articles and resources.
Boats & Yachts
Your essential pre-departure and boating safety checklist
Before you head out on the water for the first time this season, it’s important to make sure you and your boat are completely prepared. That’s why we’ve put together the following checklist for you to follow for a safe boating season, starting day one.
Boats & Yachts
10 ways to prepare your boat for a hurricane
The climate experts at the National Oceanic and Atmospheric Administration (NOAA) continue to predict active Atlantic hurricane seasons in the coming years. Therefore, boaters in hurricane-prone regions need to take steps to keep their vessels safe from harm or at least minimize potential damage and injuries. To help, we’ve put together a few important tips:
Boats & Yachts
Tips for docking your boat safely
Just like parking a car can cause stress for some, so can docking a boat, especially if you’re not sure of yourself. But close quarters don’t have to mean scratches and scrapes on your boat. Take a look at these tips to help you keep your boat in pristine condition when you pull in and out of the dock.
Boats & Yachts
The three “P’s” of marine fire safety
Keep yourself, your family, and your friends safe while aboard your boat or yacht this season by reviewing the three essential “P”’s of marine fire safety.
Boats & Yachts
12 safety tips for recreational boaters
As the weather warms up, many of us head to lakes, rivers, or the ocean to fish, waterski, cruise, and relax onboard a boat, yacht or other personal watercraft. With nearly 12 million registered recreational boats in the U.S.*, it’s no wonder the waterways are a popular place to go. But, before you head out with friends and family, take note of a few important safety tips.
Boats & Yachts
What to consider when choosing a marina, yacht club, or other facility
Whether you’ve just purchased a boat or yacht or have had one for years, where you keep it when you’re not using it is almost as important as the vessel itself. That’s why it’s so essential to do your due diligence before choosing a marina, yacht club, or other facility.
Boats & Yachts
Protecting your boat from hurricanes and other major storms
Tips for how to protect your boat from damage before a hurricane or major storm hits.
Boats & Yachts
Going into layup: Preparing your vessel for winter storage
When summer is coming to an end, it’s time to prepare your boat for the winter months. If you plan to have your boat hauled out and stored over the winter, here are a few items to remember.