Hendrickson Insurance
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Boat & Watercraft. Personal Lines

Florida boat insurance,
from a Gulf Coast agent.

Florida boat, watercraft, and yacht insurance from Hendrickson Insurance in Sarasota. From bay boats and fishing skiffs to center consoles, sport cruisers, and yachts. Coverage through Progressive Marine and specialty marine carriers. Serving Sarasota, Bradenton, Tampa, St. Petersburg, Clearwater, Venice, and Lakewood Ranch.

What a Florida boat policy actually covers.

01
Hull / Physical Damage

Coverage for damage to the boat itself. Agreed value for higher-value boats. ACV for smaller. Hurricane, theft, collision, grounding, and sinking all covered with appropriate forms.

02
Liability

Bodily injury or property damage caused to others by the boat or its operation. Standard limits $300K to $1M, higher available. Critical for any Florida boater.

03
Hurricane & Named Storm

Florida boats face significant hurricane exposure. Coverage with proper haul-out endorsements, named storm provisions, and storm preparation coverage matters.

04
Uninsured Boater

Coverage if another boater hits you and has no insurance or insufficient limits. Common in Florida given the state does not require boat insurance.

05
Fuel Spill / Wreckage

If your boat sinks or spills fuel, removal and environmental cleanup costs can run into six figures. Coverage closes that gap.

06
Medical Payments

Medical expenses for you, your guests, and crew regardless of fault. Important for any boat carrying passengers.

Yacht-specific content and broader detail soon.

Expanded content covering Florida hurricane haul-out plans, yacht-specific policies (over 26 feet), boat in transit coverage, charter use disclosures, and specialty markets for high-value vessels is coming. In the meantime, call 941-952-7991 for a quote.

You may also need.

Quote your Florida boat insurance. From bow to stern.

Call 941-952-7991 or schedule a call. Have your HIN, length, engine details, and storage location ready.

Schedule a Call or call 941-952-7991