Submersible PWC Insurance

(And how you can easily get started today)


Just when you thought zipping across the waves was the height of excitement, along comes the submersible Jet Ski-like personal watercraft. Now you can travel along under the waves and surface again, just like a dolphin. 

If you are going to buy a personal watercraft that dives, what kind of insurance do you need?

Perhaps you’ve just seen an Innespace Dolphin or Sea Breacher at a local boat show, or you have actually purchased one and you can’t wait to get it in the water. Whatever the case, if you are looking for submersible PWC insurance, consider contacting a local independent agent in our network. 

One of these agents can help you evaluate the coverage you need to protect your watercraft investment. Find a local member agent in your area today to get started comparing options and quotes.

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Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

Sea Breacher Submersible PWC Facts

  • The dolphin-shaped Sea Breacher Submersible PWC comes with a 175hp or supercharged 240hp engine
  • It can travel at 30 mph over the water, or at 20 mph below the waves
  • It can stay underwater for up to 15 seconds

Why Do You Need Submersible PWC Insurance?

As with any type of personal watercraft, there are inherent risks when you operate a submersible Jet Ski-like watercraft. 

Vast amounts of water and high speeds can make for dangerous play, and can result in injury or death if the operator is inexperienced or reckless. The fact that the submersible watercraft can operate entirely below the surface increases risks.

Jet Skis and other PWCs make up about 10 percent of all boats operating on the water at any given time. Even so, they are involved in about 30 percent of all watercraft accidents. The fact that there are no restraints or other safety measures on such a small, fast-moving craft adds to the risk. 

In addition, the submersible type of PWC is designed to pull the operator below the waves. Don’t be surprised if your insurer balks at offering coverage for your submersible PWC at first – you may have to do some shopping for a company that will cover you.

Is It Difficult to Get Submersible Jet Ski Insurance?

Not surprisingly, some buyers have found it difficult to find a carrier that will provide them with a submersible PWC policy. Insurance companies will often insure against injury, liability, property damage, and medical costs for a traditional PWC, but may not want to take on the risk of a submersible watercraft.

A local, independent agent can be an excellent resource when you are having a hard time finding insurance coverage for your watercraft, as these agents work with many different insurance companies and can often get hard-to-find coverage.

What Does Submersible Jet Ski Insurance Cover?

The purpose of insurance for your submersible watercraft is to protect you financially if you have a mishap in which someone is injured, or in which property gets damaged. It may also protect your investment if the craft is stolen, vandalized, or damaged in a fire or other disaster. 

Your policy may incude coverage if your submersible craft is damaged while on the waves, being transported, or in storage. Additionaly, you could carry coverage to protect you after an accident, whether the accident was your fault or another boater caused it.

A submersible PWC insurance policy will typically cover things like:

  • Liability for causing bodily injury or death
  • Liability for causing damage to property owned by other people
  • Damage to the PWC body or equipment
  • Hospitalization or medical expenses for any injuries you get while using a submersible watercraft
  • Damages or injuries you sustain due to others’ negligence, whether that individual is insured or not
  • Towing expenses
personal watercraft

Save on Personal Watercraft Insurance

Our independent agents shop around to find you the best coverage.

How to Purchase Submersible Jet Ski Insurance

When you first start looking for submersible PWC insurance, you might not have any idea where to start, especially if the insurance companies you’ve worked with in the past all specialize in standard home and auto coverage.

Save time by contacting a local agent near you. One of these independent agents can help you learn about coverage that meets the requirements in of your state and can look for an insurance carrier that can cover this type of craft.

Independent agents can compare rates from several companies and look for ways you can save on your coverage. An agent can set you up with any other types of insurance policies you might need, whether you need to insure your home, your business, your car, or your Jet Ski. 

An independent agent in your neighborhood can customize a policy to meet your individual needs. Find an agent today to ask about coverage for your submersible PWC and all of your recreational toys.

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