Coverages

At Smith-Merritt Insurance we want you to Have a good time and ease of mind

Our wide range of coverages will ensure all you have to worry about is having fun.

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Physical Damage Icon

Physical Damage

Yacht covered afloat for physical loss or damage. Applies to the yacht, including machinery, electronics and equipment required for operation and maintenance.

Protection and Indemnity Icon

Protection and Indemnity

To cover liability for damage to the property of others and liability insurance arising from bodily injury or death to others. Limits from $300,000 to $100 million. Can include coverage for paid crew.

Medical Payments Icon

Medical Payments

Payment of expenses for you and your guests to meet medical and surgical expenses if injured on your yacht.

Personal Effects Icon

Personal Effects

Provides for personal property and fishing gear aboard your yacht.

Uninsured Boater Icon

Uninsured Boater

Covers for bodily injury caused by an uninsured boater.

Commercial Towing Icon

Commercial Towing and Assistance

Added protection to get you safely back when your yacht becomes disabled.

Oil Spill Liability Icon

Oil Spill Liability

Provides coverage for containment, cleanup and property damage under pollution laws.

Navigation Limits Icon

Navigation Limits

Specializing in getting you where other companies can't, both in domestic and international waters.

Crew Coverage Icon

Crew Coverage

Covers crew's liability to others and bodily injury to a paid crew, as it applies to general maritime law.