When you are looking for Arkansas boat insurance, you may hear the term pollution liability insurance. In Arkansas, you likely aren’t required to have boat insurance at all, unless your lender asks for it.
At Affordable Insurance Inc., we want Mountain Home, AR boat owners to be covered for every risk. That includes pollution liability insurance for your boat. You don’t want to realize that you need it when it is too late.
What is Pollution Liability Coverage in Boat Insurance?
Pollution liability coverage is coverage that protects you against the liability of pollution. Maritime laws are very protective of any toxins that may spill into the waters you take your boats on.
If you are found to be spilling toxins such as fuel or oil, you may be held liable for the cleanup of those spills. Pollution liability coverage will cover those costs.
Things you could be held liable for include:
• Gas or oil dripping from a nozzle when you fuel your boat
• Leakage from the bilge into the water
• Leaks from seals and lines
• Pollution from sinking, explosion, and fire
The Coast Guard requires you to notify them or any local authority in the event of a spill or leak into the water. It is your responsibility to contain the spill and clean it up as soon as possible. This could be very costly, depending on the spill.
What Does Pollution Liability Cover?
Pollution liability insurance for your boat will cover the costs of clean-up and any legal defenses that you might have as a result of a spill. It will also cover the operating costs of oversight or an accident if you add that to your policy.
Get a Quote
Having a boat in Arkansas is a big responsibility. At Affordable Insurance Inc., we want Mountain Home, AR boat owners to be protected from pollution liabilities. Call us for a quote today.