Protect your vessel with specialized marine insurance designed for high-value yachts and pleasure craft.

B Smart Insurance provides tailored coverage for vessels ranging from $500,000 to $5 million, supporting private owners and charter operations with flexible, comprehensive protection. Our solutions are built around the realities of marine risk—ensuring your coverage reflects how and where you operate.

Coverage Designed for Boat Owners

Owning a yacht or pleasure craft comes with unique exposures. Our policies are structured to protect both your vessel and your liability on the water, with coverage that adapts to your navigation plans and usage.

Standard Coverage Includes

• Hull & Machinery Protection
  Coverage for physical damage to your vessel, including onboard systems and equipment.
• Third Party Liability
  Protection against legal liability for bodily injury and property damage.
• Agreed Value Coverage
  Pre-determined settlement values to protect against depreciation.
• Navigation Coverage
  Worldwide protection across approved cruising regions.
• Personal Effects
  Coverage for belongings stored onboard your vessel

Specialized Coverage Options

We offer additional protections to ensure your policy aligns with your specific needs:

• All Risks Coverage
  Broad protection available for qualifying vessels.
• Named Perils Coverage
  Defined coverage structure for clearly outlined risks.
• Skippered Charter Coverage
  Protection for vessels operating with hired crew or charter use.
• Crew Liability
  Coverage for crew-related exposures.
• Uninsured Boaters Protection
  Additional protection against uninsured third parties.
• Yacht Medical Coverage
  Medical protection for incidents occurring onboard.

Flexible Coverage for Changing Conditions

Marine risks are dynamic. Our solutions are designed to provide flexibility where it matters most:

• Hurricane Season Flexibility
  Adapt your navigation plans during storm seasons.
• Windstorm Coverage Options
  Flexible structures for named or non-named storm exposure.
• Transocean Coverage
  Available for approved long-distance crossings.

Where You’re Covered

Our policies support a wide range of cruising regions, giving you confidence wherever your journey takes you:

• Canada and the United States (including inland waterways and the Great Lakes)
• The Caribbean and Bahamas (excluding select restricted territories)
• Pacific Coast of Mexico and Central America
• Europe and the Mediterranean (excluding designated regions)

Coverage is provided worldwide, excluding areas identified as war or restricted zones.

Who This Coverage Is For

Our yacht and pleasure craft insurance is designed for:

• Private yacht owners
• High-value boat owners
• Seasonal and long-distance cruisers
• Charter operators (with approved structures)