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Just for fun, let’s play the “what if” game. It’s Friday afternoon and a client calls and informs you that she needs coverage for a new 45-foot houseboat she just purchased and plans to take out for the weekend. Or it’s early Monday morning and a client tells you he purchased a 28-foot center console fishing boat at the boat show over the weekend. He is picking it up today and needs coverage.

Obviously, these boats are too large to be covered under their homeowners’ policies and they fall outside the appetite of your standard personal insurance carriers. You don’t have a specialty marine market in house for high performance boats or boats more than 26 feet in length. How do you respond?

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