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Boat / Watercraft Insurance — CLEAR Report

Watercraft coverage gaps sink more than just boats.

Your CLEAR Report analyzes the exact language in your boat / watercraft policy — not generic advice. Every finding is specific to your carrier, your state, and your coverage.

What We Analyze

→Agreed value vs. ACV hull coverage
→Navigation territory limits
→Liability coverage on water
→Passenger liability and injury
→Wreck removal and salvage costs
→Pollution liability
→Trailer coverage
→Lay-up period and storage terms

Industry Reality Check

What the data actually shows.

$35K
average wreck removal cost — excluded on most basic policies
1 in 10
boaters operate outside their navigation territory unknowingly
60%
of watercraft policies use ACV — leaving owners undercompensated
$2M+
pollution liability exposure from a single fuel spill incident

Common Coverage Gaps

Where boat / watercraft policies typically fall short.

Three common areas where coverage often fails to match real-world exposure. Your CLEAR Report flags each of these — specific to your policy language.

Gap 01
Agreed value vs. ACV hull coverage
Gap 02
Navigation territory limits
Gap 03
Liability coverage on water

Your Report Framework

The CLEAR Report — 5 Core Areas

Every report — regardless of policy type — covers these five pillars. Each section is populated with findings specific to your actual policy language.

C
Coverage
What is actually protected under your policy and under what conditions.
L
Limits
Where your financial caps, sublimits, and per-occurrence maximums live.
E
Exclusions
What is explicitly left out — often buried in endorsements and riders.
A
Adjustments
Endorsements, modifications, and riders that change your base coverage.
R
Risk
Your overall exposure score based on gaps, limits, and exclusion density.

Report Structure

9 Sections. Every policy. Every time.

01
Coverage Summary
Plain-English breakdown of what your policy actually covers.
02
Limits Analysis
Every financial cap mapped against real-world exposure.
03
Exclusions Review
What is left out — and what that means for your specific risk.
04
Endorsements & Adjustments
Riders and add-ons that modify your base policy terms.
05
Risk Score
Your CLEAR score: a 0–100 rating of overall policy strength.
06
Coverage Gaps
Specific areas where your coverage falls short of your exposure.
07
Carrier Flags
Known issues and patterns specific to your insurance carrier.
08
Claim Readiness
Whether your policy and documentation are ready if you need to file.
09
Questions for Your Agent
Specific questions to ask your agent based on what we found.

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