Minnesota Commercial Watercraft Rental Insurance Application
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How to fill out Commercial Watercraft Rental Insurance Application?
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FAQ
Minnesota doesn't require boat insurance. But in the Land of 10,000 Lakes, where boating opportunities are plentiful, it's a good idea to protect yourself and your property before heading out on the water. Learn more about boat insurance in Minnesota and how Progressive can help you save.
Comprehensive and collision Comprehensive coverage protects your watercraft against damages from events outside of your control, including theft and vandalism, explosions, and fire, falling trees and objects, hurricanes, lightning, and other weather-related issues.
Larger and faster boats, yachts, and personal water crafts such as jet skis and wave runners require a separate boat insurance policy. For yachts, damage to the craft, including the hull, may be covered. These policies also provide broader liability protection.
Unlike car insurance, there are no federal or state laws that require you to have jet ski insurance. However, it is recommended that you have insurance to protect you if an accident or damage happens. The coverage usually outweighs the premium you'll pay.
All boats in the state of Minnesota must be registered motorized or not motorized with few exceptions to the law. In order to register the boat, you will need proof of insurance. As an MN boat insurance agent can tell you, they can help you find the proper type of Minnesota boat insurance for your craft.
Operators who are 14 to 17 years old, they can operate a PWC alone if they have a Watercraft Operator's Permit or have someone at least 21 years old riding with them. A PWC is considered a motor boat and thus the operator shall follow regulations for boats.
Minnesota law does not require any coverage for an ATV since it is not licensed for road use but we strongly encourage our clients to look at obtaining a specially designed policy for the ATV as exposures similar to licensed vehicles exist for ATV's.
Jet ski insurance is not a requirement, but it is still a good idea to have your jet ski insured. Depending on your boat insurance provider, you can get jet ski insurance with several levels of coverage. When you have your jet ski insured, you can include it as part of a claim in the event of theft, loss or damage.