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Old 10-28-2017, 05:42 AM   #15
Bay Pelican
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City: Chicago, IL
Country: USA
Vessel Name: Bay Pelican
Vessel Model: Krogen 42
Join Date: Oct 2007
Posts: 2,994
Umbrella policies covering a boat become difficult to obtain in some US states if the boat is going to leave the United States and Canada. Both in Indiana and Illinois I found it difficult to find an insurance company that would cover Bay Pelican on a liability policy once Bay Pelican was in the Caribbean.

A second problem for those who venture outside of their home countries is to make sure that the policy covers you for incidents outside of your home country and will defend you outside of your home country. I am aware of policies which claim to protect you world wide but the protection is there only if you are sued for a determination of liability in your home country. Thus under such a policy if a US citizen is involved in a collision in Mexico and is sued in Mexico the policy will not cover.
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