Pollution has always been covered under the liability section of boat insurance policies. In recent years
we have seen boat insurance companies providing a separate limit for Pollution/Fuel Spill coverage. Most
companies do not make pollution/fuel spill coverage dependent on a covered loss, but some do. This is
an important difference.
We have one market that provides a separate limit of $800,000 and does not make it a requirement to be a
We have one market that does not provide a separate limit. They provide coverage within the liability
limit and will increase the pollution/fuel spill to the legal limit of $939,800 if your liability limit is lower.
This is not the same as having a separate limit, having a separate limit is best. This market does not make it required that it be a covered loss.
We have a market that includes pollution in the liability limit and they do make it a requirement that it be
from a covered loss.
Another interesting point regarding fuel spill coverage is that most insurance companies do not pay fines or
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