Non-owned watercraft coverage wording and examples

Compare Non-owned watercraft coverage forms

Non-owned watercraft coverage forms compared by Intent, Watercraft addressed, Notable conditions
Form	Intent	Watercraft addressed	Notable conditions
ACE Property and Casualty Insurance Company Watercraft Extension (Selectable Applicability Fields - Owned/Non-Owned) XSE-53720 (06/20) Commercial Umbrella Liability	Replaces a watercraft exclusion provision for the selected watercraft category.	A selection can apply to watercraft the insured does not own, owns, or both; the specimen boxes are blank.	The wording requires a watercraft below a specified length and no insured receiving a fee to carry people or property.
BITCO General Insurance Corporation Nonowned Watercraft Endorsement GL-5438 (01/23) Commercial General Liability	Amends the exception to the aircraft, auto or watercraft exclusion.	Addresses watercraft the insured does not own, below a specified length and not carrying persons or property for a charge.	The exception does not apply to pre-arranged races or speed contests and modifies who is an insured.

“Watercraft you do not own”

ACE Property and Casualty Insurance Company · Watercraft Extension (Selectable Applicability Fields - Owned/Non-Owned) · XSE-53720 (06/20)

Applicable watercraft. The form uses checkboxes to select applicable watercraft categories; the specimen makes no selection.

“used in any pre-arranged race or speed contest”

BITCO General Insurance Corporation · Nonowned Watercraft Endorsement · GL-5438 (01/23)

Racing. The exception to the exclusion does not apply to non-owned watercraft used this way.

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