Is Your Crew Covered by Boat/Watercraft Insurance?

If you’re heading out on the water near Temecula with a few friends or a regular crew, it’s worth asking—are they covered under your boat/watercraft insurance through Friant Insurance Agency, serving Temecula, CA and surrounding areas? This is something you should find out sooner rather than later. The answer isn’t always straightforward, but it’s important to understand before there’s ever an incident.

Liability Coverage Typically Includes Passengers

Most standard boat insurance policies include liability coverage for injuries that happen onboard. That usually means if a guest slips or gets hurt during a ride, your insurance can help cover medical expenses or legal claims. However, “crew” can be interpreted differently, depending on how often they ride with you or if they assist in operating the vessel.

Paid Crew Might Not Be Included

If someone helps you operate the boat and you compensate them—even informally—your standard policy may not cover them. Paid crew often fall under exclusions for liability or injury. In these cases, you may need to add specific coverage for crew members or look into commercial marine insurance options.

Volunteers or Friends Helping Out? It Depends

Someone lending a hand launching the boat or tying lines isn’t automatically considered part of the crew. But if they regularly assist with navigation or engine handling, your insurer might view that differently. That’s why it’s best to clarify with your agent.

Check With a Local Agent Who Understands California Regulations

Because insurance rules vary by state and by provider, a quick conversation with your helpful insurance agent can give you a clear answer. You’ll be able to find out whether your current policy through Friant Insurance Agency, serving Temecula, CA and surrounding areas, fits your needs—or if a few adjustments could help you better protect everyone on board.