The logo for the law offices of mark schaffner , p.c.
A black and white drawing of a boat on a white background.

services for individuals

Boating Insurance

A man and a woman are sitting on the floor of a track.

The Importance of Boating Insurance

Protect Your boat

Boating insurance is a critical component of responsible boat ownership. It provides financial protection against a variety of risks, including accidents, theft, and damage caused by natural events. At Wright-Gardner, our personalized policies ensure comprehensive coverage tailored to your specific needs, offering peace of mind while you enjoy your boating experiences.


Our boating insurance covers not only your vessel but also your passengers and personal belongings. In the event of an unforeseen incident, our efficient claims processing and support services, including towing assistance and emergency repairs, ensure you receive prompt and effective help. This comprehensive support allows you to focus on enjoying your time on the water.

02

Physical Damage Coverage

Physical damage coverage protects your boat from risks such as collisions, theft, vandalism, and natural disasters. This coverage ensures that repair or replacement costs are taken care of, allowing you to return to the water quickly.

01

Liability Coverage

Liability coverage is essential as it covers damages and injuries you may cause to others while operating your boat. This includes bodily injury liability and property damage liability, ensuring you can manage legal responsibilities without financial strain.

03

Uninsured/Underinsured Boater Coverage

Despite legal requirements, not all boaters have adequate insurance. This coverage ensures you are protected if you're involved in an accident with an uninsured or underinsured boater, covering medical expenses and damages.

  • What factors affect my boating insurance premium?

    Several factors influence your premium, including the type of boat, its value, where you boat, and your boating experience. Our consultants will work with you to find the best balance between coverage and cost.

  • Can I customize my boating insurance policy?

    Absolutely. At Gardner-Wright, we specialize in creating tailored insurance solutions that fit your specific needs, ensuring you get the most relevant and comprehensive coverage.

  • How can I lower my boating insurance premium?

    Maintaining a clean boating record, opting for higher deductibles, and taking advantage of available discounts can help lower your premium. Our free consulting service can also provide strategies to further reduce your costs.

  • What should I do if I’m involved in a boating accident?

    If you’re involved in a boating accident, prioritize safety and seek medical attention if necessary. Then, report the incident to your insurance provider as soon as possible. Our team is here to guide you through the claims process with ease and efficiency.

get the right coverage today

A black and white arrow on a white background.

Comprehensive Protection Awaits

Wright-Gardner Agency is dedicated to providing exceptional boating insurance solutions that cater to your unique needs. With over a century of experience, our boutique agency offers unparalleled personal service and expert advice, ensuring your complete satisfaction.

Share by: