Physical Damage Protection

Think of this as your boat’s best friend. It covers your hull, motors, and attached gear from theft, accidents, storms, fire, and more. If something unexpected happens, we find coverage to pay to repair or replace your boat—quickly and without hassle.

Physical Damage Protection

Peace of mind, delivered. If you're involved in an accident that hurts someone or damages another person's property (like their boat or dock), we've got your back, covering legal costs and claims so you can relax and enjoy the ride.

Medical Payments Coverage

Boating is about good times with friends and family. If someone on board gets injured, Med Pay coverage kicks in right away to cover medical or funeral expenses, regardless of fault. No headaches, just swift support.

Uninsured Boater Protection

Not everyone plans ahead—but we do. If an uninsured or underinsured boater damages your vessel or injures you, your policy steps in. It's your safety net when others fall short.

Personal Items & Fishing Gear

Your favorite gear goes everywhere with you, and we're here to make sure it stays protected. From fishing rods to electronics, cover your personal items against theft, loss, or damage. Cast away confidently.

Emergency Towing & Assistance

Stranded on the water? Not on our watch. We can provide 24/7 towing, fuel delivery, jump-starts, and more—directly coordinated and paid by us. Quick help when you need it most.

Wreck Removal Coverage

Accidents happen. If your boat sinks or gets stranded, we'll handle the heavy lifting—literally—by covering the costs of removal and cleanup. We keep it simple, responsible, and worry-free.

Fuel-Spill & Pollution Liability

Being responsible boaters means protecting the waters we love. If fuel or oil accidentally leaks, we'll handle the cleanup costs and any third-party damages, keeping both you and the environment safe.

Mechanical Breakdown (Propulsion Coverage)

Engine trouble? We’ve got a fix for that. Our affordable mechanical breakdown option covers major engine repairs—even wear-and-tear. Stay moving without breaking the bank.

Trailer Coverage & Roadside Assistance

Your adventure doesn't stop at the shore, and neither does our coverage. Protect your boat trailer from accidents and breakdowns, and if you're stranded far from home, we've got lodging, meals, and alternative transport covered too.
At Bimini, boat insurance is more than paperwork—it's peace of mind. Wherever the water takes you, we've got you covered.