Yacht & Boat Club Insurance

A boat club combines land-based risks with on-water liabilities that a standard business policy may not cover: a member injured on the boardwalk, a club rescue boat colliding with a competitor during a regatta, or storm damage to the clubhouse. Yacht and boat club insurance can bring these risks together under one policy, subject to the policy terms, conditions and exclusions.

• Volunteers and committees: a volunteer protection extension can name committee members, race officials and volunteer marshals as insured parties.
• Club boats and rescue craft: a club fleet hull extension can cover RIBs, coaching tenders and workboats for accidental damage, sinking and theft.
• Member boats on slipways: care, custody and control cover protects the club if it damages a member’s boat while hauling or slipping it.
• Member-to-member claims: lets the policy respond when one member sues another after a club-sanctioned event.
• Regattas: major open regattas usually need a regatta extension declared to the underwriter.

Contact emergency services, lodge a marine incident report with AMSA or your state maritime authority, and notify your insurance broker without admitting liability. You can start the claim on our claims page or call 1800 656 836.

Members can insure their own vessels through our boat insurance quote form, and marine businesses can ask about boat dealership and brokerage insurance.

Volunteers are not employees, so they are generally not covered by workers compensation. A voluntary workers personal accident policy can pay benefits if a volunteer is injured while helping the club, such as on race days or working bees.

Not automatically. The club’s liability cover responds to claims against the club, not to damage to a member’s own boat. Members should insure their own vessels, and some clubs arrange a members boats cover option. Members can request a boat insurance quote.

Yes, claims can be made against committee members over governance, employment or regulatory decisions. Management liability insurance can protect the club and its committee members against these claims, subject to the policy terms.

Your membership numbers, facilities (clubhouse, marina, pontoons, slipway, bar), club-owned boats and rescue craft, the events and regattas you run, volunteer numbers, and your claims history.

Yes. Club insurance arranged by FIS International is not limited to yacht clubs; rowing clubs, fishing clubs and power boat clubs can also be insured. A club program can include club property and liability, club boats and rescue craft, voluntary workers personal accident, management liability and marina, jetty and pontoon cover, subject to the policy terms. Tell us about your club’s activities and facilities when you request a quote.