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electric surfboard insurance

Riding the Waves of the Future: Electric Surfboards and Why Insurance Matters

The world of surfing is evolving rapidly, and electric surfboards are at the forefront of this exciting transformation. These innovative boards have captured the imagination of surfers and water sports enthusiasts worldwide, offering an adrenaline-pumping experience like no other. As more people embrace this thrilling new way to ride the waves, the need for electric surfboard insurance becomes increasingly important. In this blog, we’ll discuss the various types of electric surfboards available, their advantages, and the potential risks involved. Additionally, we’ll emphasize the importance of having electric surfboard insurance coverage through a provider like XINSURANCE to safeguard your board and ensure a worry-free ride on the waves.

Electric Surfboards: Types and Advantages

There are several types of electric surfboards available on the market, each catering to different preferences and skill levels. Some of the most popular electric surfboard categories include:

  1. E-foils: Electric hydrofoil surfboards, or e-foils, use hydrofoil technology to lift the rider above the water, reducing drag and providing a smooth, exhilarating ride. These boards are equipped with an electric motor and a submerged foil, allowing them to glide silently and effortlessly above the water’s surface at speeds typically up to 28mph. E-foils are popular among both beginners and experienced surfers, as they offer a unique, effortless surfing experience.
  2. Jetboards: Also known as motorized surfboards, jetboards are a type of electric surfboard that features a built-in jet propulsion system. This system propels the board across the water at impressive speeds up to 40mph, allowing riders to surf without relying on waves. They offer an adrenaline-pumping experience, making them popular among thrill-seekers and water sports enthusiasts. Jetboards can be used in various water conditions, from calm lakes to choppy ocean waves, and are suitable for riders of different skill levels. They provide a unique and exhilarating way to enjoy the water, combining the excitement of surfing with the convenience and versatility of an electric motor.
  3. Electric paddleboards: Electric paddleboards combine the stability of a traditional paddleboard with the convenience of an electric motor. These boards are designed for a more leisurely and accessible surfing experience, making them ideal for beginners or those looking for a relaxing ride on the water. The electric motor can be used to assist with paddling, allowing riders to cover greater distances with less effort.

The advantages of electric surfboards are numerous. They provide riders with the ability to surf in various water conditions, including areas with little or no waves, opening up a whole new world of surfing possibilities. Additionally, electric surfboards offer a more eco-friendly alternative to traditional gas-powered watercraft, producing minimal noise and emissions. Most importantly, these boards deliver unmatched fun and excitement, making them a must-try for any water sports enthusiast.

Potential Risks of Riding an Electric Surfboard

While electric surfboards offer countless benefits, they also come with inherent risks. Some of the potential hazards associated with electric surfboards include:

  1. Accidents and collisions: As with any water sport, there is always the risk of accidents and collisions while riding an electric surfboard. High speeds and crowded waterways can increase the likelihood of an incident, potentially resulting in bodily injury or property damage.
  2. Malfunctions and breakdowns: Electric surfboards rely on complex technology and components, which can sometimes malfunction or break down. A sudden loss of power or control while riding could lead to accidents or leave you stranded in the water. Saltwater, in particular, can increase the risk of electrical issues.
  3. Battery safety risks: Electric surfboard batteries can pose safety risks if not properly maintained or handled. Mishandling or using damaged batteries can result in fires or explosions.
  4. Inexperience or lack of skill: Inexperienced riders may face difficulties controlling the electric surfboard, increasing the risk of accidents or injuries. Proper training and practice are essential for safe operation.

The Importance of Electric Surfboard Insurance

To mitigate these risks and ensure a worry-free surfing experience, it’s essential to invest in electric surfboard insurance. A specialized insurance provider like XINSURANCE can offer customized coverage tailored to your specific needs, protecting you and your investment. We can provide insurance solutions to both individuals who own an electric surfboard as well as businesses who provide rentals.

Some of the benefits of obtaining electric surfboard insurance through XINSURANCE include:

  1. Comprehensive coverage: XINSURANCE offers an all-in-one approach, allowing you to get multiple insurance coverages under one policy. This includes general liability, personal liability, and property coverage, among others, ensuring that you’re protected from a wide range of potential risks.
  2. Customized policies: XINSURANCE’s underwriting team can offer customized limits, coverage, deductibles, and premiums to create the perfect plan for you and/or your business. This ensures that you’re only paying for the coverage you need, without any unnecessary extras.
  3. Expertise and experience: With over 40 years of experience in the industry, XINSURANCE is a trusted partner that will fight for you when no one else will. Their expertise in providing specialty liability insurance solutions ensures that you’re in good hands, giving you true peace of mind while enjoying your electric surfboard.

Maximize Your Protection with TRU Umbrella

TRU Umbrella can help businesses and individuals who need electric surfboard insurance by providing an additional layer of protection and filling coverage gaps that may exist in their primary insurance policies. Here’s how TRU Umbrella Coverage can benefit those seeking electric surfboard insurance:

  1. Filling coverage gaps: Traditional insurance policies may not address all the risks associated with electric surfboards, such as malfunctions, breakdowns, or property damage. A TRU Umbrella policy can be customized to include specific risks related to electric surfboards, ensuring that you have comprehensive protection against a wide range of potential liabilities.
  2. Legal support: In the event of a lawsuit or dispute involving your electric surfboard, TRU Umbrella can help cover legal defense costs, providing valuable support and financial relief during the legal process. This can be particularly beneficial in cases of challenging frivolous charges or defending against liability claims.
  3. Peace of mind: Investing in TRU Umbrella coverage for your electric surfboard insurance needs can provide true peace of mind, knowing that you have done everything possible to safeguard yourself and your valuable assets. This allows you to focus on enjoying the ride and exploring new watersports experiences without worrying about potential liabilities or financial risks.

By incorporating XINSURANCE’s TRU Umbrella product into your electric surfboard insurance plan, you can ensure that you have comprehensive protection against potential risks and liabilities, giving you the confidence to ride the waves with ease.


Electric surfboards are revolutionizing the world of water sports, offering unparalleled excitement and versatility. However, with great fun comes great responsibility, and it’s crucial to protect yourself and your investment with electric surfboard insurance. So gear up, hit the water, and experience the future of surfing with your electric surfboard, backed by the security and peace of mind that only XINSURANCE can provide.

Partnering with XINSURANCE

Our comprehensive approach to insurance ensures that you can enjoy the thrill of e-foils, jetboards, etc. with the confidence and peace of mind that comes from knowing your valuable assets are safeguarded. Here’s what you get with XINSURANCE:

  • 40+ years of experience providing insurance solutions to businesses and individuals
  • A real insurance partner that has your back when accidents, incidents, claims, or lawsuits occur
  • Customized coverage options for commercial and personal insurance policies
  • TRU Umbrella insurance – fill the gaps and exclusions in your existing policy to ensure you are properly covered

Get an Insurance Quote for your Electric Surfboard

Head over to our water sports insurance page to request a quote and see more insurance solutions for all types of water sports!

If you want to submit an application, please fill out the TRU Umbrella Application for personal insurance needs or fill out the General Recreation Application for commercial insurance needs.

You or your agent can call us at 877-585-2853 to get a quote or if you have any questions.