Not only is this the law, but its the most commonly asked about insurance in the States. This coverage pays for bodily injury and property damage that you may cause to others in the event of an accident; you and your boat or PWC are not protected by liability coverage. Depending on the laws of the state you live in and the company you choose to insure with, guest passenger liability may be a viable option for you as well. This liability option protects your passenger in the event of an accident. For Marine, Boat or Personal Water Craft Liability Insurance call us now.