Boat Insurance, A Necessity For Any Boat Owner

Staff | 07/19/2022

mcfFlorida is considered the “boating capital” of the world, and for good reason. The state has the highest number of registered recreational boating vessels, approximately 959,000. Because there are so many things that could go wrong on the water, boat insurance is a necessity for any avid boat owner. 

According to statistics released by the Florida Fish & Wildlife Conservation Commission (FWC), Florida not only leads the country in the highest number of recreational boating vessels, but we also have the highest reported number of boating accidents. In 2020, there were 836 boating accidents and 79 fatalities. These statistics are enough to make anyone uneasy but purchasing boat insurance allows you and your guests to enjoy your time on the water without worrying about what could go wrong.

Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. Boat insurance is just as important as car insurance. No matter how experienced or cautious you are, you can’t protect yourself against careless or inexperienced boaters, or the wrath of nature. Boat insurance protects you in a variety of situations, including:

  • Accidents with uninsured boats
  • If a guest slips and falls aboard your boat
  • If a guest is injured while fishing or water-skiing 
  • If you collide with another boat and injure a passenger

Our independent Agency has extensive experience in writing insurance policies for boaters, so you can be certain we can provide you with the best protection available. 

Meet our Boat Insurance Team Member: Frank Polyak 


Frank Polyak earned his 4-40 Resident Customer Representative license in 2019 and then his 2-20 General Lines Property & Casualty license in 2021. Frank joined the Massey, Clark, Fischer team in 2021 and has since gained valuable experience writing a multitude of Personal Lines policies. Frank is our resident professional in all things boating. He is dedicated to working one-on-one with clients to assess their personal insurance needs and find the right coverage for them. 

If you’re thinking of adding boat insurance to your portfolio, there’s no time like the present. We understand the differences between power boaters, sailors and commercial fishermen, and we can tailor a Florida Boat Insurance policy to meet your unique needs. Frank and the rest of the Massey, Clark, Fischer team are ready to help you get the protection you need in case of an emergency. Contact us today for a free consultation.


Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.

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