You should ensure your policy covers Pollution Liability coverage equal to the current Federal mandated maximum of $997,100.Ī personal liability umbrella policy is a policy that adds additional coverage to your personal property, but as “excess coverage”- that is, the vehicle/home/vessel policy’s liability coverage must be exhausted before the umbrella comes into play. This is based on Federal law passed in 1990 as a response to the Exxon Valdez oil spill disaster in Alaska in 1989 (nearly 11 million gallons of crude oil was discharged into Prince William Sound). A separate coverage area that is also liability coverage is Pollution for oil, fuel, and other pollutants your boat may discharge into the waterways. ![]() A higher limit is better with regards to liability coverage. This coverage benefits others that you do damage to, such as colliding with another vessel, plowing into a dock, being the source of a fire that burns other boats, and more.
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