Yacht insurance guide

Protection and Indemnity Coverage

Essential Liability Protection

Last updated: February 23, 2026

P&I Coverage\n\nLiability coverage protecting against third-party claims.\n\n### Protection Coverage\n- Passenger injuries\n- Crew injuries\n- Third-party injuries\n\n### Indemnity Coverage\n- Damage to other vessels\n- Dock damage\n- Environmental cleanup\n\n### Recommended Limits\n- Under $100K yacht: $500,000\n- $100K-$500K yacht: $1,000,000\n- Over $500K yacht: $2,000,000+

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Complete Physical Damage Protection

Return to our main Yacht Insurance Guide for a complete overview of coverage types, policy structures, and what to ask your broker.