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Personal Watercraft (PWC) Insurance

Coverage That Moves With You

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Protecting Speed, Freedom & Responsibility on the Water

Personal watercrafts — from high-performance jet skis to family cruisers — represent a fast-growing category of marine recreation. But with speed and agility come distinct risks: injury, third-party damage, theft, and storage-related claims. SRMG offers tailored insurance solutions that match the unique liability and operational exposures of PWC owners.

What We Cover

Whether you ride solo, tow passengers, or lease craft as part of a rental business, our coverage includes:

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  • Third-Party Liability
    Injury or property damage to others from accidents or collisions.

  • Physical Damage
    Repairs or replacement for your PWC due to accidents, theft, fire, or sinking.

  • Medical Payments
    Coverage for injuries sustained by you or your passengers while operating the vessel.

  • Trailer & Transit Risks
    Damage sustained during ground transport or in-transit storage.

  • Watersports Liability Add-ons
    Protection when towing skiers, wakeboarders, or inflatables.

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Who It's For

  • Private jet ski owners

  • Multi-PWC families or owners of fleets

  • Coastal property owners with in-water storage

  • PWC rental operators (with separate commercial policies)

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Why SRMG

Our personal watercraft programs are built with the same attention to detail as our superyacht and commercial marine coverage — designed to scale with your lifestyle and usage:

  • Backed by A-rated carriers

  • Available in multiple jurisdictions

  • Adaptable for seasonal or year-round usage

  • Supported by 24/7 claims assistance, including theft and accident response

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