Jet Ski Rental Insurance

Specialty insurance solutions for businesses and individuals
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Whether you run a jet ski rental company or just love to jet ski, we can provide custom insurance solutions tailored to your unique needs.

Protect yourself or your business from unforeseen accidents and liabilities with our comprehensive jet ski rental insurance solutions, ensuring peace of mind and financial security for both jet ski rental companies and individuals enjoying the thrill of riding jet skis.

What is Jet Ski Rental Insurance?

Jet ski rental insurance can protect rental companies and individuals from financial liability in case of accidents, damage, theft, and other incidents related to a jet ski. XINSURANCE offers customized insurance solutions that can provide comprehensive coverage tailored to your unique needs.

By having jet ski rental insurance, rental companies can protect their assets, mitigate financial risks, and safeguard their business from costly lawsuits. For individuals, this insurance provides peace of mind, knowing that they can be covered in case of accidents or damages, and they won’t be burdened with substantial out-of-pocket expenses.

It is essential for rental companies and individuals to choose a reputable insurance partner like XINSURANCE to ensure they have the appropriate coverage for their specific needs. We can provide expert guidance such as risk mitigation tips, tailored insurance solutions, and valuable support if an incident or claim occurs. We offer comprehensive protection and allow rental companies and individuals to focus on enjoying their jet ski rental experience with confidence.

Who Should Have Jet Ski Rental Insurance

  • Jet Ski Rental Companies
  • Jet Ski Instructors
  • Jet Ski Tours & Guides
  • Individuals Renting Jet Skis
  • And More!
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Coverage Options for Jet Ski Rental Insurance

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being stored, transported, or rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Renters Liability

Covers physical damage to units while being rented and personal liability for the renter. Renters liability is only available if the rental company has purchased general liability through XINSURANCE.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you or an employee regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or an employee regarding sexual abuse and/or molestation.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Pollution Clean-Up

Covers the costs associated with pollution clean-up caused by your business or jet ski.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

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FAQ About Jet Ski Rental Insurance

Do you offer physical damage coverage while unit is rented?

Yes, we can offer physical damage while rented and or while stored. We also offer a separate policy that covers the renters for 3rd party liability and covers the physical damage of the unit while under the care, custody, and control of the renter.

Is theft covered under my physical damage policy?

No, not while rented.

What is the minimum rental age and the minimum operating age?

The minimum rental age is 21.
The minimum operating age is 18 or manufacturer guidelines.

Are life jackets or wet suit bottoms required?

Yes, life jackets are required.
Wet suit bottoms are required unless you have an acknowledgment form that is required to be signed by the renter.

How long is the policy period?

It is an annual term, rated off your exposure.

Do you offer payments?

Yes, pending the season length.

Can you insure guided tours?

Yes! We can provide insurance solutions for jet ski tours, jet ski instructors, jet ski rental companies, individuals who rent a jet ski, and more!

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Learn More About Jet Ski Rental Insurance

What Does Jet Ski Rental Insurance Cover?

Whether you’re an individual or a jet ski rental business owner, we can offer an insurance solution that provides limits of up to $20 million in liability insurance coverage. The specific types of liability protection include:

  • Third-party liability for bodily injury: Pays for the injuries you cause to others due to an accident when operating a personal watercraft. Your insurance can cover the injured party’s medical bills and any awards resulting from a successful lawsuit against you, up to policy limits.
  • Third-party liability for property damage: Covers the damages you cause to the property of others (but not your own), up to policy limits.
  • Physical damage: Pays for damage the rented equipment suffers while in the renter’s custody and control, up to policy limits.

Without this insurance protection, you or your business could be on the hook for thousands or even hundreds of thousands of dollars in medical bills and property repairs or replacements. The right liability coverage will reduce your risk and help prevent a significant financial loss.

If you operate a jet ski rental company and need to provide workers’ compensation insurance, you will need to purchase an external policy, as XINSURANCE does not offer this coverage.

Do You Cover Other Types of Watercraft?

Yes, XINSURANCE provides insurance solutions for boats and watercraft, including powerboats, sailboats, pontoon boats, kayaks, canoes, fishing boats, yachts, houseboats, dinghies, and more.

We can also offer coverage solutions for your lift eFoils and electric surfboards!

These insurance solutions are available for businesses and individuals, so if you own/operate/rent any of these, let’s talk!

Why Should I Have Jet Ski Rental Insurance?

You need jet ski rental insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Jet ski liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some areas, carrying liability insurance may be required.

What is the Cost of Jet Ski Rental Insurance?

The cost of jet ski rental insurance can vary depending on several factors, including location, rental frequency, years of experience, previous claims history, the value of the jet ski or fleet, and more. We recommend you contact us to get a more accurate estimation.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We also help jet ski rental businesses who are just starting out and businesses or individuals with an extensive claims history. The point is we can provide an insurance solution regardless of your situation, so do not hesitate to request a quote! We step in to provide an insurance solution when others can’t or won’t!

Common Jet Ski Rental Insurance Claim Scenarios

Examples of situations where your liability insurance should protect you include:

  • An accident resulting from your negligence causes damage to another watercraft
  • Property damage results from your collision with a boat dock
  • When traveling at a high rate of speed, you lose control of your jet ski and strike a swimmer, resulting in a severe injury or death
  • You cause a collision with another watercraft, leading to injuries or deaths of individuals on the other vessel
  • You’re towing a water skier or wakeboarder with your jet ski and the other party suffers an injury

Also, if you loan the jet ski rental to another operator, the policy will likely cover any property damage or injuries resulting from their negligence.

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Jet Ski Rental Insurance Solutions

If you already have an existing jet ski rental insurance policy, we can review your policy for gaps and exclusions that are leaving you exposed. Then, we can offer insurance solutions that leave you better protected from liabilities and claims.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service