You finally have the boat, the sunshine, and the perfect weekend—but now it’s just a matter of who’s taking the wheel. At Keltner Insurance in Memphis, TN, one of the most common questions we hear is: Does my boat insurance cover family members if they drive my boat? The answer depends on a few key details in your policy.

Named vs. Permissive Operators

Some boat insurance policies are strict about who can operate the vessel. If your policy specifies “named operators,” only individuals listed on the policy are covered. This means if your spouse or adult child isn’t named and they take the boat out, they may not be covered in the event of an accident.

On the other hand, many policies offer “permissive use” coverage. This means if you give someone permission to operate your boat, such as a family member, they’re typically covered under your policy, as long as they’re legally allowed to drive a boat. However, coverage may be limited based on factors like their experience, age, or boating record.

Know Before You Go

It’s important not to assume all policies are the same. Some insurers include fine print that excludes certain drivers or limits coverage if the person operating the boat isn’t the primary policyholder. The last thing you want during a relaxing day on the water is to second-guess your coverage in the middle of an emergency.

At Keltner Insurance in Memphis, TN, we can help you review your current boat insurance policy and ensure it fits your family’s needs. Whether you’re the captain or passing the wheel to a loved one, let’s make sure everyone is covered. Give us a call today before your next boating adventure.