It's a beautiful summer's day, the kind you have been waiting for all week. Time to pack up the boat and head on out with your family and friends.

But - before you start that engine, think abou these situations:

• Suppose you hit a reef or another boat without liability hits you
  
  
• Suppose you don't see the dive flag and injure a diver or snorkeler
  
  
• Suppose some unforseen accident occurs while waterskiing
  
  
• Suppose you can't afford to repair that engine or hull - or worse, pay for someone else's damage or even hospital bills.

Nothing can replace responsible water safety, but sometimes accidents and mistakes can happen. For this reason, we at J. S. Johnson can offer peace of mind with our Yacht & Motorboat Policy.

• Loss or damage to the Vessel
  
  Covers loss or damage to the craft and equipment caused by external accidental means including collision, fire, theft and sinking.
  
  
• Legal Liability
  
  Your legal liability arising from the use of the craft with coverage up to a maximum of $1m.
  
  This Includes third party and passenger liability with water skiers liability if requested.
  
  
• Personal Accident*
  
  This will ensure you and your spouse against bodily injury or death caused by violent, accidental, external and visible means sustained in connection with the vessel.
  
  
• Medical Expenses
  
  An extension of the personal Accident Cover, the policy will refund you up to $1,000 for any medical expenses incurred if you and your spouse, any passenger or crew member are injured in an accident involving the boat.
  

Due to the intricate nature of these policies we are unable to offer full details online. For more information on both our Marine Policies and Aviation Policies, please contact our Marine & Aviation Department.