Skipper insurance is a type of insurance coverage designed specifically for skippers and crew members who operate yachts and other watercraft. This coverage provides financial protection for skippers and crew members in the event of an accident, illness, or other covered event that results in injury or death.

Skipper insurance typically covers a wide range of events, including injury or death while operating a yacht or watercraft, as well as illnesses that are contracted while working on board. This type of coverage may also include protection against lost wages and medical expenses, as well as coverage for repatriation or evacuation in the event of a covered event.

When selecting skipper insurance, it is important to consider the type of yacht or watercraft being operated, as well as the intended use. For example, skippers and crew members who operate racing yachts or commercial watercraft may need higher levels of coverage than those who operate recreational boats. Additionally, the geographic location where the yacht or watercraft will be operated, as well as the experience and qualifications of the skipper and crew, are also important factors to consider when choosing a policy.

Skipper insurance is typically purchased as part of a comprehensive yacht insurance policy, which may also include coverage for the yacht itself, such as hull and machinery coverage, as well as personal property coverage. When purchasing a comprehensive yacht insurance policy, it is important to work with a professional insurance broker who has experience in the yacht insurance market, and who can help to ensure that the policy provides adequate coverage for the specific needs of the skipper and crew.

In the event of a claim, it is important to have a clear understanding of the terms and conditions of the skipper insurance coverage, including the coverage limits, deductibles, and any exclusions that may apply. In order to support a claim, skippers and crew members may be required to provide documentation, such as witness statements and medical reports, as well as evidence of lost wages or other expenses incurred as a result of a covered event.