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Stanley Insurance Group

5038 Cemetery Rd
Hilliard, OH 43026

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Boat/Watercraft Insurance in Ohio


The purchase of a boat or watercraft is considered one of the largest investments that can be made. Whether you're a long-time owner or considering making a purchase, it is vitally important to ensure your legal liability and personal property are well protected in the event of theft or a boating accident. According to Ohio State Parks & Watercraft, the number of fatalities resulting from boating accidents has decreased since 2017. However, accidents can and do happen. Therefore, it is essential to understand the benefits of boat insurance and how it can provide peace of mind and protection.

Is Boat Insurance Required

Although state regulations do not require carrying boat insurance in Ohio, the benefits of carrying boat insurance far outweigh not having a policy in place. Here are a few examples of boat liability insurance coverage and their benefits:

  • Physical Injury Coverage - Boat insurance policies can be customized to provide a variety of coverage that will cover the loss of worker wages, hospitalization, medical treatments and even provide coverage for a catastrophic loss.
  • Uninsured Boater Coverage - Because boat insurance is not required in Ohio, liability coverage is rarely carried by most boaters. Uninsured boater coverage will provide compensation for injuries incurred to passengers onboard or by an operator that does not have a liability insurance policy.
  • Total Loss Replacement - When disaster strikes in the form of severe weather, such as hurricanes, torrential flooding or other natural disasters, severe damage may be caused to your boat, leading to a total loss. If this occurs, the Stanley Insurance Group in Ohio will work with you to determine your boats' true value and the dollar amount that will be offered toward replacement.

Boating is a great way to enjoy the beautiful lakes of Ohio. Protecting your investment with a boat/watercraft insurance policy will provide the protection you need. Visit the Stanley Insurance Group today to discuss the benefits of a boat insurance policy.

Our primary location is in Hilliard, OH and we serve our clients in all the surrounding cities in Ohio.

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