Lake Pleasant sits on Peoria’s doorstep and a great many households here own something that floats. A personal umbrella does not extend to a boat unless the boat was named and insured underneath it.
Watercraft need a qualifying underlying policy before an umbrella will sit above them.
Three things about liability that happens on water.
Umbrellas list the exposures they sit above. A boat that is not named, and does not carry its own qualifying liability policy, is generally outside the umbrella. Households buy an umbrella for peace of mind and leave the single most dangerous thing they own outside it.
Most boating liability involves people aboard rather than another vessel. Injuries on the water are frequently severe and the claim is made against the operator and owner. This is the scenario where underlying limits run out quickly.
The trailer and the tow are an auto matter, the boat on the water is a watercraft matter, and the two policies have different limits. A household can be well covered on the highway and thin on the lake.
Everything the household takes to the water.
Each needs naming and each needs qualifying cover underneath.
Young or inexperienced operators change both the risk and the underlying terms.
Different policies answer for the trailer, the tow and the water.
Tell us what floats, who drives it and what it is insured for now.
We schedule the watercraft rather than assuming the umbrella reaches it.
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