Overview

The insurance industry calls Jet Ski, Wave Runner, and Sea-Doo “personal watercraft,” or “PWC,” and classifies them into two types: stand-up PWCs used by a single rider who stands or kneels while operating and sit-down PWCs used by one or more riders who sit while operating. Most insurance companies that offer boat insurance also offer PWC policies.

PWC insurance requirements vary by state but, required or not, it’s a smart choice considering the risky nature of personal watercraft. A variety of PWC coverage options exist including liability, collision, comprehensive, medical, total loss replacement, as well as on-water towing and labor. Policy types will determine rates as will other factors like the PWC make and model, horsepower, engine specifications, storage location, as well as owner credit and accident history.

Coverage

A personal watercraft policy covers you or someone who you've allowed to operate your craft for incidents that result in:

  • Bodily injury: If another person is injured by you or someone operating your craft.
    • You can also get Bodily Injury in the event you are injured by an uninsured watercraft operator.
  • Liability: This helps with the financial costs associated with being sued by someone else due to an accident.
  • Property damage: If you or someone operating your craft causes property damage to another watercraft, dock, boat, etc.

A personal watercraft policy may also cover:

  • Theft of the personal watercraft.
  • Towing, if the watercraft is in an accident.

Additional coverage can be purchased for trailers and other accessories.

Each watercraft needs it's own policy, but some insurance companies offer multi-craft discounts

Resources

Safety and Loss Mitigation

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Contact us

Tammy Nelson

Tammy Nelson

Personal Lines Account Manager

Tammy has worked in the Insurance Industry for over 30 years. she is licensed in Life, Health, Property, and Casualty. having specialized
in Personal Insurance most of her career, Tammy has a deep understanding of insurance and the proper coverages that are needed.
Tammy is a dedicated mother of two who loves to travel and bargain hunt. she hopes to one day retire to a Tropical Island.

tammy@concklin.com

Gini2

Gini Moore

Personal Lines Account Manager

Gini was born and raised in California and moved to the Chicago area 4 years ago. She has had her Property and Casualty Insurance
License for 29 years. Gini attended Orange Coast College where she obtained her AA in business. In her spare time, Gini loves to travel
and enjoys gardening.

gini@concklin.com

Chris K

Chris Keenan

Personal Lines Account Manager

Chris started working in the insurance industry immediately out of high school, in the claims department for AAA. She moved to the service/sales side in the late 1990s and has been there ever since. Chris spent many years working in the collector auto insurance field
and has a deep appreciation for muscle cars. She loves working in the personal lines department, helping her clients understand the importance of proper coverage. In her spare time she loves spending time with her two grandsons.

chris@concklin.com

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The right insurance for your unique needs

Concklin Insurance Agency is committed to providing competitive and consistent insurance at an affordable rate. We believe in offering the right coverage for your unique needs and represent carefully selected, financially sound, and reputable A+ rated Insurance companies.

Our goal is to reduce gaps in coverage, reduce costs through loss mitigation and risk management, and reduce stress by hiring well-trained, experienced insurance professionals.