Although Connecticut law does not require a boat owner to purchase or maintain liability insurance, it is simply prudent to purchase one. As the number of boats and personal watercraft on Connecticut waters increases each year, there is an increase in boating accidents, often resulting in serious personal injury and financial loss.
Many small boat owners believe that their homeowners insurance protects them from liability for damage caused by the careless operation of their boat. While this generally applies to small boats powered by outboard motors under 25 hp, more powerful boats are excluded from this coverage. These boats and personal watercraft such as jet skis or wave runners and personal watercraft require boat insurance for the owner or operator to be protected.