An Insurance Agency for Cruisers

Blue Water Yacht Insurance covers more active cruising boats than any other marine agency in the Western Hemisphere.  Our goal is to provide insurance products and services that are crafted specifically for active cruisers. By specializing in this one area, we can focus all of our expertise and energy on that single goal - and excel!  Blue Water is the leading innovator of marine insurance products in the offshore industry.  

For your convenience, and to better serve you, we have offices on the East and West Coasts of North America.  Our objective with this web site is to provide you with current information regarding the array of marine insurance products BWI offers, and promote the enjoyment of cruising through safety at sea issues.  Fifteen years ago the founders of BWI developed the first two-crew world-wide navigation program for the Seven Seas Cruising Association.  Today we have thousands of cruising yachts covered all over the world.  

When Blue Water sailors told us that international health and accident coverage was important to them, we built a program specific to their needs.

Our exclusive on-line Quick Quote yacht system allows you to get a BWI quote in a matter of day ? on the world-wide web. If you compare our Quotes on an "apples to apples" basis, our comprehensive marine insurance programs have the lowest prices!

BWI Programs

 America's Yacht Insurance
     2-crew: the Americas

 Extended Navigation
     2-crew: International

 Coastal Yacht Insurance
     Great value close to home: We write boats in Florida and the Gulf states!

  International Health Insurance Plans
  

What's New at Blue Water Insurance?

Specialized Programs for Cruisers

BWI’s Yacht Insurance programs provide two-crew yacht coverage worldwide. We designed these programs around experienced, safety oriented, owner-operators of sail boats and motor yachts. To qualify, an owner / operator must have a minimum of 10 years boating experience, established through a combination of boating experience and marine related qualification (USCG AUX & USPS Courses, USCG License, etc.) The program is structured so you only pay for the coverage (navigation limits) you need. A fundamental concept if safe cruising is to stay out of the hurricane zone during the hurricane season (between 12 degrees 40 minutes N LAT to 23 degrees 30 minutes N LAT while between 55 degrees W LON and 85 degrees W LON July 1 to Nov 1. While our base rate has an exclusion for named and numbered windstorm losses “in the hurricane box” July 1 to Nov 1, for an additional premium we can offer named and numbered windstorm coverage “in the box” year round.

Many of our competitors have exclusions or a policy provisions in their “preferred policies” for the following:

1. NO Coverage in windstorm areas.
2. No named or numbered windstorm coverage in Grenada, the ABC Islands, Rio Dulce, the Gulf States, Florida and the Bahamas in the storm season.
3. A high tender and OB Motor Deductible = to the hull deductible.
4. NO charter coverage.
5. Require 3, 4 or more experienced crew members for Trans Ocean Crossings.
6. Do not insure vessels more than 25 years of age or provide only ACV coverage (lots of depreciation on boats over 25 years of age).
7. No named or numbered windstorm coverage during the summer on the Pacific Coast of Mexico south of 27 N LAT.
8. No navigation in Cuba, Colombia, Haiti, the Eastern Mediterranean including Israel, Lebanon, the Red Sea, the Black Sea, Russia, no transit of Cape Horn, etc.