HULL
VESSEL STATUS: TOTAL LOSS CANDIDATE
VESSEL STATUS: FULLY RESTORED
From Claim to
Cleat-Ready.
AGREED VALUE · ZERO DEPRECIATION · 16 TO 60 FT
← DRAG TO REVEAL →
16 to 60 ft Vessels
Agreed Value Coverage
2-Hr Quote Turnaround
Zero Depreciation at Loss
Hull Coverage
Specification Sheet
Every coverage item is written at agreed value — the figure you and our underwriter establish before a loss occurs. No depreciation. No argument at claim time.
Vessel Range
16 FT — 60 FT
Bass boats · Offshore cruisers · Liveaboards
HM-001
Hull & Machinery
Physical structure, deck, superstructure, permanently attached fixtures, propulsion systems, engines, generators.
↳ Zero depreciation applied at loss
HM-002
Collision Damage
Collision with fixed or floating objects, other vessels, docks, pilings, and submerged hazards.
HM-003
Sinking Coverage
Hull breach, failed through-hull fittings, storm-induced flooding, swamping in open water.
HM-004
Grounding
Accidental groundings and navigational error groundings in charted and uncharted waters.
HM-005
Fire & Explosion
Engine compartment fire, fuel system explosion, electrical fire originating aboard vessel.
HM-006
Theft
Vessel theft, outboard motor theft, onboard electronics theft with evidence of forced entry.
ITEM CODE
COVERAGE LINE
TOLERANCE / LIMIT
PL-001
Bodily Injury
Passengers, other boaters, dock workers
$1,000,000 per occurrence
PL-002
Property Damage
Docks, pilings, other vessels
$1,000,000 per occurrence
PL-003
Legal Defense
Attorney fees, court costs, settlements
Included within limit
PL-004
Medical Payments
Regardless of fault, immediate coverage
$10,000 per person
Federal Exposure Notice — 33 U.S.C. § 2702
U.S. federal law holds vessel owners liable for fuel spill cleanup costs up to $939,800. Hull policies include separate fuel spill liability coverage at no additional cost on vessels under 45 feet.
Endorsement
Data Sheet
Each line item below is a named endorsement available on your Hull policy. Expand any row to read the full coverage specification before you decide.
CODE
ENDORSEMENT
CATEGORY
LIMIT
FROM
DETAIL
COVERAGE SPECIFICATION — END-001
Standard personal-use policies classify tournament use as commercial — claims denied during competition
Hull endorsement activates agreed-value coverage during registered BASS, FLW, and regional events
Entry fee reimbursement up to $5,000 per event if covered loss, towing vehicle accident, or family emergency prevents participation
Covers damage occurring at weigh-in docks, tournament launch ramps, and designated competition waters
Tournament schedule must be filed with underwriter 30 days prior to season start
LIMIT
$5,000 / event
FROM
From $180/yr
COVERAGE SPECIFICATION — END-002
Average U.S. towing fee: $700. Without coverage, costs can exceed $2,500 for offshore retrieval
Unlimited towing calls per policy year — not a membership, fully insured coverage
Soft un-groundings covered up to $1,500 per incident
Jump start and fuel delivery included at no additional charge
Response coordination through BoatUS and Sea Tow national networks
Coverage follows the vessel, not the operator — any licensed driver is covered
LIMIT
Unlimited calls
FROM
From $95/yr
COVERAGE SPECIFICATION — END-003
Federal liability exposure: up to $939,800 under Oil Pollution Act of 1990
Covers physical damage to third-party property from spill contamination
Cleanup costs: Coast Guard coordination, boom deployment, hazmat disposal
Legal defense costs and regulatory fines included within limit
Separate $300,000 limit above standard liability — does not erode primary limits
Mandatory for vessels with fuel tanks exceeding 50 gallons at most marina slips
LIMIT
$300,000 separate limit
FROM
Included < 45 ft
COVERAGE SPECIFICATION — END-004
Standard auto policy extends liability to trailer while towing — physical damage to trailer itself is excluded
Collision coverage for trailer frame, axles, bunk boards, winch, and lighting systems
Theft coverage with or without evidence of forced entry for trailer
Agreed value basis — trailer insured for full replacement cost at policy inception
Covers trailer at launch ramps, storage facilities, and in transit
LIMIT
Agreed Value
FROM
From $65/yr
COVERAGE SPECIFICATION — END-005
Homeowners policies cover fishing gear at 10% of personal property limit — usually inadequate
Hull endorsement provides primary, scheduled coverage with no homeowners deductible interaction
Covers rods, reels, lures, fish finders, trolling motors, downriggers, and VHF radios
Coverage limits from $1,000 to $10,000 per policy — scheduled high-value items available
Covers theft from locked vehicle, storage unit, and aboard vessel at dock
LIMIT
Up to $10,000
FROM
From $45/yr
COVERAGE SPECIFICATION — END-006
Personal policies exclude all commercial activity — single paying passenger voids coverage
Occurrence-basis P&I: full limit available for each separate incident, not shared annual aggregate
Minimum $1,000,000 per occurrence; $2,000,000 aggregate available for marina and government dock requirements
Business interruption coverage: replaces lost charter income during covered repair period
Wreck removal coverage included — mandatory vessel removal costs can exceed insured value
USCG license verification required; Coast Guard inspections do not trigger policy review
LIMIT
$2,000,000 aggregate
FROM
From $640/yr
94%
Claims Paid in Full
Agreed value — no depreciation argument
11 Days
Avg. Claim Resolution
From FNOL to settlement check
$939K
Federal Spill Exposure
Covered within base policy < 45 ft
3,200+
Vessels Underwritten
Bass boats to 60-ft offshore cruisers
A squall caught us 12 miles offshore. Engine room flooded, total loss. Hull cut the check in nine days — agreed value, no argument, no adjuster games.
Marcus Delgado
Liveaboard, Florida Keys
I run three charter boats out of Destin. Hull is the only underwriter that didn't classify my guide operation as uninsurable. $2M aggregate, occurrence basis.
Renee Thibodaux
Licensed Guide, Gulf Coast Charters
Lost my rig to a trailer accident on the way to the Bassmaster Classic. Tournament fee reimbursement covered my $3,500 entry. Didn't know that was even possible.
Kevin Okafor
Tournament Angler, Lake Eufaula
Bass Boats · Aluminum Skiffs
Offshore Cruisers · Center Consoles
Liveaboards · Marina Slips
Every surface true.
Every seam sealed.
Nothing left to chance.
Hull prices risk the way a marine surveyor reads a waterline. You know exactly what you're buying before you submit a single keystroke.
48 States
Licensed in
A+ Superior
A.M. Best Rating
1987
Founded