Our Watercraft programs accept a wide range of hull types and offers broad coverage, understandable policy language . . . plus some special benefits.

With our personal watercraft program through American Modern, your boat and jet ski customers have the flexibility of choosing either a Full Coverage policy, or a money-saving Liability Only policy.  And unlike some other policies, the deductible on an American Modern policy is very straight forward. The deductible your customer sees is the deductible your customer pays in the event of a claim.  Just like hidden objects under the water, there shouldn’t be any hidden deductibles!

  • Powerboats
  • Trawlers
  • Jet Skis & Wave Runners
  • Sailboats
  • Sport-fishers (including bass boats)
  • Pontoons
  • Houseboats
  • Full Coverage or Liability only coverage available
  • Consequential damage option
  • Damage from under/uninsured watercraft
  • Watersport liability option
  • Fishing gear/personal effects - coverage starts at $5,000 and can be increased to $10,000
  • Emergency assistance and towing
  • Haul out coverage
  • Accidental spill pollution
  • Liability extension - liability provisions apply when your customer rents or uses someone else's watercraft
  • Advantage Plus, Yacht Plus or Pro Angler endorsements option
  • Diminishing deductible option
  • Trailer or boat lift option

With flexible payment options and expert claims handling, you can depend on South & Western and American Modern to handle your watercraft customers with hassle free direct billing and claims experts trained specifically on how to handle your customer's watercraft loss.

  • Direct Bill (multiple options available)
  • Online quote / issue system
  • Single password (one logon to southandwestern.com is all you need)
  • EFT option
  • Online policy access
  • AL3 download