Although Connecticut law does not require a boat owner to purchase or maintain liability insurance, it just makes common sense to get it. With the number of boats and personal watercraft on Connecticut waters increasing every year, there has been an increase in boating accidents, causing often severe personal injury and financial loss.
Many owners of small boats believe that their homeowner’s insurance policy protects them from liability for loss caused by the negligent operation of their boat. While that generally is true for small boats powered with less than 25-horsepower outboard motors, boats more powerful are excluded from such coverage. These boats, and personal watercraft such as jet skis or wave runners as well as jet boats, require boat insurance for the owner or operator to be protected.