Unforeseen accidents can occur at any moment, even for seasoned individuals with years of experience on the water. While personal watercraft insurance is essential, the coverage limits in these policies may prove insufficient.

Summary:

In the event that you are held responsible for property damage or personal injury, your standard watercraft policy limit might be depleted quickly. To address this vulnerability, consider opting for an umbrella or excess liability policy. This additional coverage layer extends those limits, offering an added level of financial protection.