Boat Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Boat Insurance For Businesses & Individuals

If you’re an insurance producer looking to write more business and provide boat rental insurance solutions to your clients, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can write boat rental insurance with confidence. We can also write customized insurance for personal watercraft!

We can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can help businesses and individuals in all 50 states. Whether your client started a new business or just got their boating license, or has been in the industry for 20+ years, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best boat rental insurance providers out there. Many boat rental insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Nature of Business
(who we can help)

  • Boats (fast boats, powerboats, yachts, charters, etc.)
  • Personal Watercraft
  • High-Powered Watercraft
  • Jet Skis
  • Rentals
  • High-Performance Racing
  • And More!


  • Commercial General Liability
  • Communicable Disease Coverage
  • Guest Passenger Liability
  • Physical Damage
  • Pollution Clean-Up
  • Uninsured Boater Coverage
  • TRU Umbrella
  • And More!

More Information About Boat Insurance and Boat Rental Insurance

Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Boat and personal watercraft insurance are our expertise! 

In-House Teams

We have it all – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Boat Insurance Companies and Prime Insurance

Looking for the best boat insurance company? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

Unfortunately, accidents do happen. According to the U.S. Coast Guard, “From 2019 to 2020, the total number of accidents increased 26.3 percent (4,168 to 5,265), and the number of non-fatal injured victims increased 24.7 percent (2,559 to 3,191). There is evidence that boating activity increased significantly during the pandemic, from reports of increased boat sales, insurance policies taken out, insurance claims, and calls for towing assistance. With the increased exposure (i.e., more boating hours), there was greater risk of deaths, injuries, and accidents.”

It’d be wise to go with a trusted boat rental insurance provider such as Prime to handle claims promptly and professionally with exceptional results!

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient boat rental insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

Boat Insurance - For Boat Owners

We can help your clients who own a boat or personal watercraft! Whether it’s a speed boat, yacht, sailboat, jet ski, etc., we can provide boat insurance to any individual as your client! We can even help your clients who are struggling to find insurance due to past claims or if they’ve been canceled, non-renewed, or declined by another insurance company. Prime Insurance Company is here to provide customized boat insurance policies, even at the highest risk!

Boat Insurance and Boat Rental Insurance - For Businesses

As an insurance producer, if you have a client who is a business that rents or sells boats or provides some kind of boating service, we can help them as well! Any boat, any size, on any body of water, we can provide boat insurance or boat rental insurance to them as well! With customized coverage, we ensure peace of mind for the business and its employees and captains. If the business has a claims history or has been canceled, non-renewed, or declined by another insurance company, that’s ok, because Prime is here to take on the tough risks.

Speak with your clients about Prime Insurance Company and get a boat insurance quote today!

About Prime Insurance Company

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see for latest ratings
**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.