Atlas Products - Personal Watercraft

Why It's Good to Have a Specialty Policy.

Not all Personal Watercraft Policies are the Same. Items like homes and cars are insured on standardized insurance forms, so for the most part everyone gets the same basic coverage regardless of the carrier. But with PWCs, there are no standard insurance forms. Each carrier develops their own policy, which results in some policies being very comprehensive, others being very basic, and most being somewhere in between. Plus, some carriers understand PWC owners needs better than others. With so many choices out there, it's a good idea to go with a carrier that specializes in PWC insurance.

Specialty Policies Protect You against Lots of Things That Can Happen. Sometimes you can cover your PWC by adding an endorsement to a policy you already have. But, that coverage is usually pretty basic. To obtain increased coverage limits, as well as coverage options such as uninsured watercraft and emergency towing, you need the protection of a specialty policy.

Many people are surprised to learn that 99 percent of all personal watercraft sold today are multi-passenger vessels, with three- and four-seat models the fastest growing segment of the industry. These are family vessels, purchased by families who want to spend a day together on the water, and have found PWC to be affordable, approachable, and easy to store, transport, and maintain. Learn More

Source: Personal Watercraft Industry Association

Personal Watercraft (PWC) Coverages.

Physical Damage Coverage. Market value protection against damage to or theft of your PWC.
Liability Coverage. You can be held liable for injuries that happen to others while you are boating. We provide both liability protection and coverage for bodily injury to family members. We also provide a sub-limit for family members, which means you and your family are protected under our liability coverage.
Medical Payments. Pays to policy limits for medical bills resulting from an accident that happens while you operate your PWC. Provides protection for the policyholder, immediate family members, as well as non-family members involved in the accident.
JetSport Advantage Endorsement. Additional protection at no extra charge. Includes the following coverages:
- Uninsured Watercraft. Protection for when another boater collides with the PWC you are operating and that boater is not properly insured.
- Non-owned Watercraft Liability. Extends your policy's liability coverage to any PWC you operate.
- Emergency Assistance and Towing. In the event your PWC breaks down on the water, and even if your trailer breaks down while you are taking your PWC somewhere.
Trailer Coverage. This optional coverage protects the trailer you use to tow your PWC.

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Policy Discounts

Nobody wants to pay more than they need to. Atlas offers a couple options that can lower your premium payment:

Multi Unit Discount. Insure two or more watercraft with Atlas to receive this discount.
Remove Machinery Damage Coverage from Your Policy. On older PWCs, the deductible for an accident may be higher than the cost to repair or replace the machinery inside the unit. If you choose to remove coverage for machinery damage from your policy, we'll discount your premium accordingly.

Handy Options, Benefits and Extras

Coverage in U.S. and Canadian Waters. Many policies specify exactly when and where you can use your boat - to the point of naming specific lakes and waterways! With Atlas, you're covered wherever you operate your boat in U.S. and Canadian waters.
Many Deductible Options Available. Talk to an Atlas representative about which one is right for you.
Convenient Payment Options. We offer our customers many flexible ways to pay the premium on their policies. They can pay it all at once, or in two installments. We also take debit cards, Discover®, MasterCard®, Visa® and American Express®. For more information on any of our payment options, click here.
Fast and Reliable Claims Service. Our customers can report a claim online or over the phone, any time day or night. Call during business hours, and a customer service representative can take your claim personally. We also have after-hours and weekend service for emergencies!

The availability of and qualifications for deductible and payment options may vary from state to state. In addition, terms, conditions and exclusions not described above may apply. Please contact your agent for more information.

Read Your Policy Carefully

Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverage available, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change any definitions expressly stated in any contracts of insurance. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverage.

To Obtain a Quote

If you would like a quote via e-mail or would like one of our agents to call you at a specific time, click here and complete the requested information. If you would like to speak to an agent directly, call 1-800-643-7770 between the hours of 8 AM - 7PM EST and we will be happy to assist you.

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