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Boat Insurance

We offer some of the most seaworthy coverage and services available.

Our Masterpiece Boat and Masterpiece Boat Select policies are designed for all types of pleasure boats 35 feet and less, as well as Personal Watercraft (PWCs) vessels like waverunners and jet skis.

We provide exceptional boat insurance with tailored protection, competitive rates, along with valuable features to protect both boat owners and their vessels.


Chubb Masterpiece® Boats & Yachts Coverage Highlights

Total Loss Settlement

We pay the entire agreed amount, with no deductible, for a total loss. With our Masterpiece Boat Select policy, eligible vessels can receive Replacement Cost coverage up to 120% of the vessel’s insured amount.

Partial Loss Settlement

With our Masterpiece Boat Select policy, the repair or replacement of covered property is paid for without deduction for depreciation on most partial losses.

Liability Protection

Limits of coverage to suit your personal needs, including: legal defense costs, pollution liability coverage as required by the Oil Pollution Act of 1990, and wreck removal.

Medical Payments

Reasonable medical and related expenses are included for all those onboard, boarding or leaving the covered vessel. These benefits are provided on a per occurrence basis. Increased limits are available.

Uninsured/Underinsured Boater Coverage

Coverage for bodily injury to persons aboard the insured watercraft who are injured by an uninsured owner or operator of another vessel.

Longshore and Harbor Workers’ Compensation Act (LHWCA)

When liability coverage is purchased, coverage is automatically provided for those employed aboard the vessel who are within the jurisdiction of the LHWCA.

Personal Property & Fishing Equipment Coverage

Protection is automatically included for the clothing, personal effects and fishing gear of the boat owner and their guests. Optional higher limits are available.

Emergency Towing & Assistance

We automatically include this coverage with optional higher limits available.

Trailer Coverage

Trailers are automatically covered up to the policy limit. Increased limits are available.

Precautionary Measures

Coverage up to the policy limit for the reasonable costs incurred to haul, fuel, or dock the insured watercraft endangered by a covered peril

Coverage for Marinas as Additional Insured

Marinas, yacht clubs and similar facilities where clients keep their vessels are included as Additional Insureds.

Chubb Tips

75% of boating accidents occur on clear days with good visibility.

Chubb offers some of the most comprehensive protection and services available rain or shine.

*Source: 2016 Recreational Boating Statistics, United States Coast Guard




Masterpiece® Recreational Marine Insurance Brochure

Your client’s guide to watercraft protection. Make sure they’re protected, with the right coverage, so they can relax on and off the water.



Tips & Resources

We help you stay ahead and informed with these helpful tips and tricks

12 safety tips for recreational boaters

As the weather warms up, many of us head to lakes, rivers, or the ocean to fish, waterski, cruise, and relax onboard a boat, yacht or other personal watercraft. 

Understanding boat insurance

A comprehensive guide to finding the right boat insurance coverage.


This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.

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