Jet Ski Rental Insurance

Home / Commercial Liability / Jet Ski Rentals

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.

Jet Ski Rental Insurance

Personal watercraft (PWCs), more commonly known as jet skis, are a fun and exhilarating activity in the summer. It is a good time to be in the jet ski rental business considering 2020 saw record highs for personal watercraft sales. There is still a strong demand for jet skis but businesses and individuals need to understand the risks when riding a jet ski or owning a jet ski rental business. These high-powered machines are a blast but accidents and incidents happen fairly often. That’s why Prime Insurance Company offers jet ski rental insurance for businesses and individuals looking to have specialty liability coverage.

If you’re an insurance producer looking to write more business and provide 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 jet ski rental insurance with confidence.

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can write specialty liability insurance policies for jet ski rental businesses and individuals who rent jet skis, all across the United States. Whether they need a brand new policy or if they have gaps and exclusions in their current one, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best jet ski rental insurance providers out there. Many jet ski 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)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following classes:

  • Jet Ski Rental Businesses
  • Jet Ski Renters
  • Jet Ski Guides and Tours
  • Jet Ski Instructors
  • And More

Coverage Options

  • Commercial General Liability
  • Commercial Auto Coverage (available in most states)
  • Equipment Rental Liability
  • Personal Liability
  • Physical Damage
  • Premises Liability
  • Products Liability
  • Property Coverage
  • Alleged Assault and Battery Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Communicable Disease Liability Coverage
  • TRU Umbrella / Excess Liability
  • And More


The Risks of Jet Skis

You have probably seen the video of the jet ski crash in the Bahamas, claiming it is Kanye West and Kim Kardashian (it’s not them), but it’s a good example that the craziest things can happen when riding a jet ski.

There are many risks associated with jet skis, for both business owners and the individuals riding the jet ski. Here are some examples:

  • Storms – Bad weather can cause large, choppy waves, making it difficult to ride a jet ski. Never ride during a storm!
  • Capsizing – It’s not uncommon for these high-powered machines to flip over. The rider can lose control when going to fast, making sharp turns, catching a bad wave, and more.
  • Local laws – Such laws include certain liability insurance requirements, no-wake zones, speed limits, curfews, safety protocols, and more. Note that these laws will vary by state.
  • Inexperienced riders – Experienced or not, everyone should have at least a brief training on how to operate the specific jet ski they will be riding. Pay extra attention to those riding a jet ski for the first time.
  • Nearby boats and swimmers – Typically, jet ski rental businesses will have a designated area for riders to drive around in and they will not be allowed to cross the boundaries. However, this is not always the case and there’s no control of what other swimmers or boaters in the area may do.
  • Drugs and alcohol – This is obvious but riders should not be operating a jet ski under the influence.

There are thousands of injuries related to jet skis each year but that should not stop anyone from running a business or riding a jet ski as long as they’re aware of these risks and do their best to prevent anything bad from happening. It’s best to operate with jet ski rental insurance to be prepared for the worst.

Insurance for Jet Ski Rental Businesses

Business owners may be overwhelmed by the number of options they have for jet ski rental insurance in terms of companies who provide the insurance and the types of coverage they can have on their policy. The most common coverages include general liability for third-party bodily injury and third-party property damage as well as physical damage or equipment rental liability to provide financial protection when a jet ski is damaged.

However, there are other risks involved with a jet ski rental business that warrants attention and extra coverage. One example is commercial auto coverage to help protect the jet skis when they are being transported. Another example is alleged sexual abuse and molestation liability considering some staff might ride with customers if the customer needs help or is too scared to ride alone. It is possible that a customer could allege that a staff member inappropriately touched a customer while riding on the jet ski.

For everything else, Prime offers a TRU Umbrella policy that can cover the gaps and exclusions to provide peace of mind. When standard coverage isn’t enough, our TRU Umbrella coverage may protect you in the event of a claim or lawsuit. Sometimes, insurance can be the difference between staying in business and closing it down. That’s why it is very important to have liability insurance for jet ski rental businesses!

Common Insurance Claims for Jet Ski Rental Businesses

There are many scenarios in which your clients need liability insurance to help protect them from lawsuits and costly claims. Here are several common examples:

  • a jet ski instructor fails to properly train customers on how to operate the jet ski and they fail to brake, causing an accident, and the company is sued for negligence
  • a jet ski malfunctions and causes a crash
  • the jet skis fail an inspection and someone claims the owner secretly ignored broken or faulty parts to save money
  • a jet ski rider loses control by going too fast and hits a swimmer, causing severe injury
  • someone riding with an instructor alleges they were molested while riding the jet ski and they sue the business
  • a jet ski crashes into a nearby waterfront property that will cost thousands of dollars in property repairs

Jet Ski Rental Insurance Providers and Prime Insurance Company

Looking for the best jet ski rental insurance provider? 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.

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 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.

Get A Jet Ski Rental Insurance Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! We also require a phone call with the owner/applicant. Get started with your jet ski rental insurance quote today by clicking the “Get a Quote!” button above.


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. Insurance for jet ski rentals is our expertise! 

In-House Teams

We have it all under one roof – 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. Prime can write up to $10 million in-house.

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!

About Us

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.