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					                                                                               BOAT
                                                                    TABLE OF CONTENTS
                                                                                                                                                                     Page
Definitions .............................................................................................................................................................. 1
Property Coverage                Boat ..................................................................................................................................... 2
      Insuring Agreement ......................................................................................................................................... 2
      Limit of Liability ................................................................................................................................................ 2
      Additional Property Coverage..........................................................................................................................               2
         Property On Your Covered Boat ...............................................................................................................                     2
         Protection Or Recovery Expense .............................................................................................................                      3
         Emergency Service ...................................................................................................................................             3
         Investigative Services For Manufacturer's
         Defect And Warranty Claims ....................................................................................................................                   3
      Property Losses We Do Not Cover ................................................................................................................. 4
      How We Settle Property Claims And What
      You Must Do ....................................................................................................................................................     5
         How We Pay Claims .................................................................................................................................               5
         Appraisal ...................................................................................................................................................     5
         Your Duties After Loss ..............................................................................................................................             5
         Who We Pay.............................................................................................................................................           6
         Loss Payable Clause ................................................................................................................................              6
         Suit Against Us .........................................................................................................................................         6
         Abandonment of Property .........................................................................................................................                 6
Personal Liability Boat .......................................................................................................................................... 6
      Insuring Agreement ......................................................................................................................................... 6
      Limit of Liability ................................................................................................................................................ 7
      Additional Liability Coverages .........................................................................................................................             7
         Bail Bonds .................................................................................................................................................      7
         Longshore and Harbor Worker's Compensation ......................................................................................                                 7
         Other Payments We Make .......................................................................................................................                    7
Medical Expense Coverage Boat ......................................................................................................................... 7
      Insuring Agreement ......................................................................................................................................... 7
      Limit of Liability ................................................................................................................................................ 8
Uninsured Boaters Coverage ................................................................................................................................ 8
      Insuring Agreement ......................................................................................................................................... 8
      Limit of Liability ................................................................................................................................................ 8
Liability, Medical Expense and Uninsured Boaters
Losses We Do Not Cover ...................................................................................................................................... 8




G-18546-A Ed. 09-93
                                                                              BOAT
                                                       TABLE OF CONTENTS                         CONTINUED
                                                                                                                                                                  Page
How We Settle Liability, Medical Expense and
Uninsured Boaters Claims and What You Must Do ............................................................................................... 10
    Your Duties After Loss .................................................................................................................................... 10
    Duties of An Injured Person ............................................................................................................................ 11
    Suit Against Us ................................................................................................................................................ 11
General Provisions Boat ...................................................................................................................................... 11
   Other Insurance............................................................................................................................................... 11
   Territory ........................................................................................................................................................... 11
   Subrogation ..................................................................................................................................................... 11
   Changes During The Policy Period ................................................................................................................. 11
   The Law........................................................................................................................................................... 11
   Unreasonable or Unnecessary Medical Expense ........................................................................................... 12




G-18546-A Ed. 09-93
                                                            BOAT
DEFINITIONS                                                                     or 4.b. above. A person or organization using
                                                                                or having custody of a boat in the course of
In this "BOAT" Segment, certain words and phrases
                                                                                any business or without consent of the owner
are italicized, which identifies them as having specific
                                                                                is not a covered person.
meaning for this "BOAT" Segment. The meaning of
each italicized word or phrase is provided in the                          d. Any other person occupying or using any
Definitions below.                                                            covered boat with permission from you or a
                                                                              family member.
1. Accident means an event that unexpectedly,
   unintentionally, and instantly causes bodily injury                     Covered person does not include the owner or
   or property damage during the policy period.                            lessor of a boat loaned or hired for use by a
                                                                           covered person or on a covered person's
2. Boat means a watercraft, including sails, spars,
                                                                           behalf.
   fittings, trolling motors and other outboard motors,
   trailers and equipment (including dinghies)                        5. Family Member means a person related to you
   needed aboard for its operation or maintenance.                       by blood, marriage or adoption who is a resident
                                                                         of your household. This includes a ward or foster
3. Bodily Injury means bodily harm, sickness or                          child.
   disease, including required care, loss of services
   and death resulting therefrom. Bodily injury                            For the purposes of this definition, to be
   does not include any communicable disease, such                         considered a resident of your household when
   as:                                                                     evaluating coverage for a loss, a person must
                                                                           have been actually residing in your household on
    a. Any venereal disease;                                               the date the loss occurred. However, your:
    b. Herpes;                                                             a. Son;
    c.   Acquired Immune Deficiency Syndrome                               b. Daughter;
         (AIDS);
                                                                           c.   Ward; or
    d. AIDS Related Complex (ARC);
                                                                           d. Foster child;
    e. Human Immunodeficiency Virus (HIV);
                                                                           In the United States military or away at school will
    or any resulting or related symptom, effect,                           be considered a resident of your household unless
    condition, disease or illness.                                         he or she has demonstrated an intent to reside
4. Covered Person(s) means you and the following                           elsewhere permanently.
   residents of your household:                                       6. Medical Expense means reasonable charges for
                                                                         medical, surgical, x-ray, dental, ambulance,
    a. Your family members;
                                                                         hospital, professional nursing, prosthetic devices
    b. Any other person under the age of 21 who is                       and funeral services.
       in the care of any person named above;
                                                                      7. Non-owned Boat means a boat not owned by or
    Under Personal Liability Boat, Additional                            furnished or available for the regular use of you or
    Liability Coverages, Medical Expense                                 any family member while in the custody of or
    Coverage and Uninsured Boaters Coverage,                             being operated by you or any family member.
    covered person also means:                                           However, non-owned boat does not include any
                                                                         boat which is designated as an airboat, air
    c.   With respect to boats to which this policy
                                                                         cushion or similar type of watercraft.
         applies, any person or organization legally
         responsible for a boat which is owned by or in               8. Occupying means in, upon, or getting in, out, on
         the care of you or any person included in 4.a.                  or off.


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G-18546-A Ed. 09-93                                                                                              Page 1 of 12
9. Property Damage means physical injury to or                          Covered losses to boats 10 model years old or newer
   destruction of property including loss of use of the                 are settled on a replacement cost basis (without
   property.                                                            deduction for depreciation). Covered losses to boats
                                                                        over 10 model years old are settled on an Actual Cash
10. Uninsured Boat means a boat:                                        Value basis (with deduction for depreciation).
    a. To which no bodily injury liability bond or                      Payment will not exceed the smallest of:
       policy applies at the time of the accident;
                                                                        1. The amount that we could reasonably be
    b. Which is a hit-and-run boat whose operator or                       expected to pay to have the property repaired to
       owner cannot be identified and which hits:                          its condition immediately prior to the loss; or
         (1) You or any covered person;                                 2. The amount that we could reasonably be
         (2) Your boat.                                                    expected to pay to replace the article with a new
                                                                           one substantially identical to the article lost or
    c.   To which a bodily injury liability bond or                        damaged; or
         policy applies at the time of the accident, but
         the bonding or insuring company:                               3. The boat limit shown in the Coverage Summary;
                                                                           or
         (1) Denies coverage; or
                                                                        4. For boats over 10 model years old, the actual
         (2) Is or becomes insolvent.                                      cash value at the time of the loss.
    However, uninsured boat does not include any                        At our option, we may repair or we may replace any
    boat or equipment:                                                  property with a new item of similar or like kind and
                                                                        quality.
    a. Owned by or furnished or available for your
       regular use; or                                                  We may elect to pay only the reasonable cost of
                                                                        patching damaged parts of metal, plywood, fiberglass
    b. Owned by any governmental unit or agency.
                                                                        or other molded material in accordance with generally
PROPERTY COVERAGE BOAT                                                  accepted shipyard repair practices.

INSURING AGREEMENT                                                      We will pay for canvas, batteries, sails and tenders at
                                                                        the lower of actual cash value or actual repair cost.
If an amount for "Hull, Motor(s) and Equipment" is                      (Actual repair cost means the cost of repair according
shown in the Coverage Summary, we will pay for                          to the lower of generally or customarily accepted
direct physical loss, except for losses in the section                  shipyard practices or any repair specifications
called Property Losses We Do Not Cover, to the                          recommended by the manufacturer.)
following, including their equipment, less any
applicable deductible:                                                  If there is a loss to a newly acquired boat or a non-
                                                                        owned boat, we will provide the broadest coverage
1. The boat(s) shown in the Coverage Summary.                           applicable to any boat shown in the Coverage
2. Any non-owned boat(s).                                               Summary.

3. Any newly acquired boat(s) for 30 days after you                     ADDITIONAL PROPERTY COVERAGE
   become the owner, provided we cover all other                        We provide the following coverage only if an amount
   boats owned by you, unless excluded by                               for "Hull, Motor(s) and Equipment" is shown in the
   endorsement.                                                         Coverage Summary. Unless noted otherwise, these
    However, for coverage beyond the 30 days you                        Coverages are in addition to the limit shown for "Hull,
    must have asked us to insure any additional boat                    Motor(s) and Equipment".
    and we must have agreed to provide coverage.                        1. Property On Your Covered Boat
LIMIT OF LIABILITY                                                           We will pay up to the amount shown in the
                                                                             Coverage Summary for loss or damage to

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G-18546-A Ed. 09-93                                                                                                Page 2 of 12
   property owned by a covered person, while the                                 Note:      We will pay only the charge(s) for
   property is on board your covered boat or while                                          delivery, not the cost of the fuel, oil,
   being loaded or unloaded. At your request, we will                                       battery or tire.
   provide the same coverage for personal property
   owned by guests or unpaid crew members.                                  No deductible applies to Emergency Service
   (Personal property means sports equipment,                               coverage.
   clothing, and other personal effects.)                              4. Investigative Services For Manufacturer's
   This coverage applies for direct physical loss;                        Defect And Warranty Claims
   however, the following types of losses are                               If direct damage to your boat results from a defect
   excluded:                                                                caused by manufacture, assembly or design, we
   a. Losses listed in the Property Losses We Do                            will provide investigative services to help you
      Not Cover section;                                                    present your claim to the manufacturer. We will
                                                                            also provide investigative services to help you
   b. Loss to money, jewelry, precious and semi-                            present a warranty claim to the manufacturer.
      precious stones, gold, goldware, silver,
      silverware, platinum, traveler's checks,                              This coverage applies only for your boat which is
      valuable papers, watches, furs, fine arts or                          listed in the Coverage Summary with a limit for
      computer software and hardware.                                       "Hull, Motor(s) and Equipment".

2. Protection or Recovery Expense                                           "Investigative Services" may include a marine
                                                                            surveyor's or other professional's inspection of the
   We will pay your reasonable expenses for                                 damage with a written report of findings and/or
   removal, disposal or the marking of the wreck of                         laboratory analysis. We may choose to select and
   your covered boat after a covered loss.                                  assign the appropriate professionals for such
                                                                            services. If it becomes necessary in the analysis
   We will also pay any reasonable costs incurred by                        of a manufacturer's defect, we will provide a one-
   you for necessary repairs made solely to protect                         hour initial consultation with an attorney of your
   your covered boat from further damage.                                   choice on a customary fee basis.
   These expenses are included in the limit of liability                    Our obligation to provide Investigative Services
   that applies to your damaged property. If the                            will end when:
   amount to be paid for the actual damage plus any
   removal or protection expenses is more than the                          a. The value of the services provided reaches
   limit of liability for the damaged property, an                             5% of the limit for "Hull, Motor(s) and
   additional 5% of that limit of liability is available for                   Equipment" shown in the Coverage Summary
   removal/protection expense.                                                 for the boat that was damaged; or
3. Emergency Service                                                        b. The investigation reveals a cause of damage
                                                                               other than manufacturer's defect or something
   We will pay up to the limit for this coverage shown                         covered by the manufacturer's warranty.
   in the Coverage Summary, for the reasonable
   expenses you incur resulting from the following                          The 5% limit is the most we will pay regardless of
   emergency services to your covered boat:                                 the number of requests for investigation involving
                                                                            a particular boat or any series of requests
   a. Mechanical labor at the place of its                                  regarding that boat. Defects and warranty
      breakdown.                                                            problems must be discovered and reported to us
   b. Towing to the nearest garage, marina, service                         within the policy period stated in the Coverage
      station or other service point where necessary                        Summary.
      repairs can be made.
   c.   Towing it out if it is stuck.
   d. Delivery of fuel, oil, battery, or change of tire.

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G-18546-A Ed. 09-93                                                                                                   Page 3 of 12
    No deductible applies to Investigative Services                        are not the repairer and the damage is not from
    For Manufacturer's Defect And Warranty                                 your negligence or carelessness.
    Claims.
                                                                      5. Capture, seizure, arrest, restraint, detainment,
    This coverage does not apply to:                                     taking by any government authority, either lawful
                                                                         or otherwise, or any consequences of these.
    a. Any boat over 10 model years old;
                                                                           This exclusion does not apply to damage which
    b. Personal property or personal effects; or                           results from the U.S. Coast Guard or U.S.
    c.   Electronics or other equipment that was not                       Customs boarding or searching your boat, unless
         part of the boat as it was originally                             illegal narcotics, contraband or illegal activities are
         manufactured.                                                     disclosed by the search.

PROPERTY LOSSES WE DO NOT COVER                                       6. Damage from an accident unless your boat is
                                                                         seaworthy as of the effective date of this policy,
We do not insure for loss caused directly or indirectly                  and you do everything reasonably possible to
by any of the following. Such loss is excluded                           keep it seaworthy during the policy period.
regardless of any other cause or event contributing
concurrently or in any sequence to the loss.                          7. Loss or damage due to neglect, meaning neglect
                                                                         of a covered person to use all reasonable means
1. a. Wear and tear, marring, deterioration,                             to save and preserve property at and after the
      chipping, scratching or denting.                                   time of a loss.
    b. Inherent vice, latent defect, manufacturer's                   8. Loss which:
       defect or defect in design, electrical or
       mechanical breakdown or failure. But for                            a. May reasonably be expected to result from
       boats shown in the Coverage Summary, this                              the intentional act of you or any family
       exclusion does not apply to breakage of                                member; or
       shafts or bursting of boilers, or to coverage                       b. Is in fact intended by you or any family
       provided under Emergency Service.                                      member.
    c.   Rust, mold, mildew, wet or dry rot.                          9. Loss from an accident occurring while you or any
    d. Damage caused by birds, vermin, insects,                          covered person are participating in a racing
       rodents, animals or marine life.                                  event, whether or not organized, including
                                                                         practicing for a race, as an operator or occupant
    e. Osmosis, blistering, electrolysis, galvanic                       of a boat.
       action, corrosion, weathering or dampness of
       atmosphere.                                                         This exclusion does not apply to sailing vessels,
                                                                           with or without auxiliary power, or to predicted log
2. There is no coverage for anyone holding, storing                        cruises.
   or transporting a boat or other property for a fee,
   regardless of any other coverage afforded under                    10. Loss caused directly or indirectly by
   this "BOAT" Segment.                                                    a. War, including undeclared war;
    This insurance shall not directly or indirectly                        b. Civil war;
    benefit any carrier or other bailee for hire.
                                                                           c.   Insurrection;
3. Damage from ice while your boat is moored or
   laid up afloat.                                                         d. Rebellion or revolution;
4. Damage, except from fire or explosion, sustained                        e. Warlike acts by a military force or military
   while the boat is actually being worked upon. But                          personnel;
   this exclusion does not apply to damage from the
   negligence of professional repairers, provided you                      f.   Destruction or seizure or use for a military
                                                                                purpose;


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G-18546-A Ed. 09-93                                                                                               Page 4 of 12
    g. Discharge of a nuclear weapon, even if                             If we pay for loss in money, our payment will
       accidental; or                                                     include the applicable sales tax for the damaged
                                                                          or stolen property.
    h. Radioactive contamination;
                                                                     2. Appraisal.
    including any consequence of any of these.
                                                                          If we and you do not agree on the amount of loss,
11. Loss or damage arising out of a nuclear hazard                        either may demand an appraisal of the loss. In
    meaning:                                                              this event each party will select a competent
    a. Any nuclear reaction;                                              appraiser within 20 days after receiving a written
                                                                          request from the other. The two appraisers will
    b. Radiation; or                                                      select an umpire. If they cannot agree upon an
                                                                          umpire within 15 days, you or we may request that
    c.   Radioactive contamination;
                                                                          the choice be made by a judge of a court of record
    all whether controlled or uncontrolled or however                     in the state where you live. The appraisers will
    caused, or any consequence of any of these.                           state separately the amount of loss. If they fail to
                                                                          agree, they will submit their differences to the
    Loss caused by the nuclear hazard shall not be                        umpire. A decision agreed to by any two will be
    considered loss caused by fire, explosion or                          binding. Each party will:
    smoke. However, direct loss by fire resulting from
    the nuclear hazard is covered.                                        a. Pay its own appraiser; and

12. Any loss while your boat is used for other than                       b. Bear the other expenses of the appraisal and
    private pleasure purposes or is hired or chartered                       umpire equally.
    without our written consent.
                                                                          We do not waive any of our rights under this policy
    Business entertainment for which there is no                          by agreeing to an appraisal.
    direct remuneration is considered private pleasure
                                                                     3. Your Duties After Loss.
    use.
                                                                          You agree to see that the following things are
13. Fraud, dishonest or criminal acts of anyone to
                                                                          done after a loss. We have no duty to provide
    whom you entrust your boat. This exclusion does
                                                                          coverage under this policy unless there has been
    not apply to acts of your master, crew or a carrier
                                                                          full compliance with these duties:
    for hire.
                                                                          a. Give prompt notice to us or our agent.
14. Any loss which occurs after you sell, assign or
    transfer your interest in your boat.                                  b. Notify the Coast Guard or other appropriate
                                                                             authority in case of loss by theft or any crime,
    Note:   You cannot transfer this policy to another
                                                                             injury or collision.
            person without our written consent.
                                                                          c.   Protect the boat and other property from
HOW WE SETTLE PROPERTY CLAIMS AND WHAT
                                                                               further damage. If repairs are required, you
YOU MUST DO
                                                                               must:
1. How We Pay Claims.
                                                                               (1) Make reasonable and necessary repairs
    We may for loss in money or repair or replace the                              to protect the property; and
    damaged or stolen property. We may at our
                                                                               (2) Keep an accurate record of repair
    expense, return any stolen property to you.
                                                                                   expenses.
    If we return stolen property we will pay for any
                                                                          d. Prepare an inventory of damaged personal
    damage resulting from the theft. We may keep all
                                                                             property showing the quantity, description,
    or part of the property at an agreed upon or
                                                                             actual cash value and amount of loss. Attach
    appraised value.
                                                                             all bills, receipts and related documents that
                                                                             justify the figures in the inventory.

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G-18546-A Ed. 09-93                                                                                             Page 5 of 12
   e. As often as we reasonably require:                                   reserve the right to cancel the policy as permitted
                                                                           by the policy terms and the cancellation shall
        (1) Show the boat and other damaged                                terminate this agreement as to the loss payee's
            property before its repair or disposal,                        interest. We will give the same advance notice of
            except as provided in 3.c., above;                             cancellation or nonrenewal to the loss payee as
        (2) Allow us to take samples of damaged and                        we give to the named insured shown in the
            undamaged property for inspection,                             Coverage Summary.
            testing and analysis;                                          When we pay the loss payee we shall, to the
        (3) Provide us the records and documents we                        extent of payment, be subrogated to the loss
            request and permit us to make copies;                          payee's rights of recovery.
            and                                                       6. Suit Against Us.
        (4) Submit to examination under oath, while                        No action can be brought unless all the provisions
            not in the presence of any other covered                       of this policy have been complied with and the
            person and sign the same.                                      action is started:
   f.   Send to us, within 60 days after our request,                      a. Within one year after the date of loss; but
        your signed, sworn proof of loss which sets
        forth, to the best of your knowledge and belief:                   b. Not until 30 days after the proof of loss has
                                                                              been filed and the amount of loss has been
        (1) The time and cause of loss;                                       determined.
        (2) The interest of the covered person and                         However, the one year period is extended by the
            all others in the property involved and all                    number of days between the date the proof of loss
            liens on the property;                                         is submitted and the date the claim is denied in
                                                                           whole or in part.
        (3) Other insurance which may cover the
            loss;                                                     7. Abandonment Of Property.
        (4) Changes in title or ownership of the boat                      We need not accept any property abandoned by a
            during the term of the policy;                                 covered person.

        (5) Specifications of damaged property and                    PERSONAL LIABILITY BOAT
            detailed repair estimates; and
                                                                      INSURING AGREEMENT
        (6) The inventory of damaged personal
                                                                      If a claim or suit is brought against you or any
            property described in 3.d. above.
                                                                      covered person for the following:
   g. Cooperate with us in the investigation,                         1. Bodily Injury;
      settlement or defense of any claim.
                                                                      2. Property Damage;
4. Who We Pay.
                                                                      caused by a boating accident, we will pay on your
   We pay you unless another party is named in the                    behalf:
   policy or is legally entitled to receive payment.
                                                                      1. Damages for which you or any covered person
5. Loss Payable Clause.                                                  are legally liable;
   Loss or damage under this policy shall be paid, as                 2. Damages including pre-judgment interest
   interest may appear, to you and the loss payee                        awarded against you or any covered person;
   shown in the Coverage Summary. This
   insurance, with respect to the interest of the loss                up to our limit of liability, except as excluded by the
   payee, shall not become invalid because of your                    provisions listed in Personal Liability, Medical
   fraudulent acts or omissions unless the loss                       Expense and Uninsured Boaters Losses We Do
   results from your conversion, secretion or                         Not Cover.
   embezzlement of your boat. However, we
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G-18546-A Ed. 09-93                                                                                              Page 6 of 12
LIMIT OF LIABILITY                                                         Insolvency or bankruptcy of you, the employer,
                                                                           shall not relieve us from payment of compensation
The limit shown in the Coverage Summary is the most                        for disability or death sustained by an employee
we will pay for any one accident regardless of the                         during the life of this contract.
number of:
                                                                      3. Other Payments We Make.
1. Covered persons;
                                                                           We pay the expenses described below for a claim
2. Claims or suits made;                                                   or suit covered under Personal Liability Boat:
3. Boats involved in an accident or shown in the                           a. Defense costs incurred at our discretion.
   Coverage Summary;
                                                                           b. Premiums on appeal bonds and bonds to
4. Persons who sustain injury or damage;                                      release attachments in any suit we defend;
5. Boats insured by this or any other policy, issued                          however, we have no obligation to secure or
   by us or others;                                                           provide bonds.

6. Premiums paid for this coverage; or                                     c.   Up to $100 a day for loss of earnings, but not
                                                                                other income, because of attendance at
7. Acts or failures to act.                                                     hearings or trials at our request.
We may investigate and settle any claim or suit that                       d. Other reasonable expenses (other than loss
we decide is appropriate. Our obligation to defend                            of earnings) incurred at our request.
any claim or suit ends when the amount we pay for
damages for settlement or judgment equals our limit                        e. Expenses incurred by us and costs taxed
of liability. We have no duty to defend any suit or                           against any covered person in any suit we
settle any claim for bodily injury or property                                defend.
damage not covered by this "BOAT" Segment.                                 f.   For first aid administered to others at the
ADDITIONAL LIABILITY COVERAGES                                                  scene of a boat accident.

We cover the following in addition to the limits of                        g. Interest accruing after a judgment is entered
liability shown in the Coverage Summary for Personal                          and before the loss is paid in any suit we
Liability Boat:                                                               defend. Our duty to pay interest ends when
                                                                              we offer to pay that part of the judgment which
1. Bail Bonds.                                                                does not exceed our limit of liability for this
                                                                              coverage.
    We will pay on behalf of you or any covered
    person, the cost of bail bonds required because                        We are not obligated to defend suits brought
    of an accident, including related traffic law                          against a covered person in any country where
    violations. The accident must result in bodily                         we are prevented from defending because of laws
    injury or property damage covered under this                           or other reasons. However, we will pay any
    "BOAT" Segment.                                                        expense incurred with our written consent for the
                                                                           covered person's defense.
2. Longshore and Harbor Workers'
   Compensation.                                                           Our obligation to pay the above costs ends when
                                                                           our limit of liability has been exhausted.
    We will pay the amounts for which you are liable,
    under the provisions of the Longshore and Harbor                  MEDICAL EXPENSE COVERAGE BOAT
    Workers' Compensation Act, U.S. Code 1982 Title
    33 Section 901, resulting from the ownership,                     INSURING AGREEMENT
    maintenance or use of your covered boat.                          We will pay medical expenses incurred or medically
    We will fully comply with, but not exceed, the                    ascertained within three years from the date of
    conditions of this Act including any changes that                 accident except as excluded by the provisions listed
    become effective during the policy period.                        in Personal Liability, Medical Expense And
                                                                      Uninsured Boaters Losses We Do Not Cover.

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G-18546-A Ed. 09-93                                                                                              Page 7 of 12
Medical Expense Coverage Boat applies to bodily                       We do not provide coverage for punitive or exemplary
injury caused by a boat accident; and                                 damages.
1. Sustained by you or any other person while                         Any suit must be brought in the United States of
   occupying your boat;                                               America or in Canada.
2. Sustained by any person while being towed on                       LIMIT OF LIABILITY
   water-skis by your covered boat; or
                                                                      The limit shown in the Coverage Summary is the most
3. Sustained by you or any covered person, while in                   we will pay for any one boat accident, regardless of
   the water, if struck by any boat.                                  the number of:
LIMIT OF LIABILITY                                                    1. Covered Persons;
The limit of liability shown in the Coverage Summary                  2. Claims or suits made;
for Medical Expense Coverage Boat is our
maximum limit of liability for each person injured in                 3. Boats involved in an accident or shown in the
any one accident. This is the most we will pay                           Coverage Summary;
regardless of the number of:                                          4. Persons who sustain injury or damage;
1. Covered persons;                                                   5. Boats insured by this or any other policy issued
2. Claims or suits made;                                                 by us or others;

3. Boats or premiums shown in the Coverage                            6. Premiums paid for this coverage; or
   Summary;                                                           7. Acts or failures to act.
4. Boats involved in the accident; or                                 However, this limit of liability shall be reduced by all
5. Boats insured by this or any other policy issued                   sums paid because of the injury by or on behalf of
   by us or others.                                                   persons or organizations who may be legally
                                                                      responsible.
This limit applies to each person injured.
                                                                      Any amounts otherwise payable for expenses under
No covered person for whom medical expenses are                       this coverage shall be reduced by:
payable under this coverage shall recover more than
once for the same medical expense under this or                       1. Any amounts paid or payable for the same
similar boat insurance.                                                  expense under any other section of this policy; or

No payment will be made unless the injured person or                  2. Any amounts paid or payable under any other
that person's legal representative agrees in writing                     policy for the same expense.
that any payment shall be applied toward any                          We are not bound by any judgment against any
settlement or judgment that person receives under                     person or organization obtained without our written
any other section of this "BOAT" Segment.                             consent.
UNINSURED BOATERS COVERAGE                                            The covered person shall not enter into any
INSURING AGREEMENT                                                    settlement with any person or organization legally
                                                                      liable for the covered person's bodily injury without
We will pay compensatory damages which you or a                       our written consent.
covered person are legally entitled to recover from
the owner or operator of an uninsured boat because                    PERSONAL LIABILITY, MEDICAL EXPENSE
of bodily injury:                                                     AND UNINSURED BOATERS LOSSES WE DO
                                                                      NOT COVER
1. Sustained by you or any covered person; and
                                                                      We do not provide any coverage for:
2. Caused by a boat accident.
                                                                      1. Fines or penalties any person is required to pay by
                                                                         any governmental unit or agency.
                        Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                          Copyright, Insurance Services Office, Inc., 1993
G-18546-A Ed. 09-93                                                                                              Page 8 of 12
2. Bodily injury or property damage arising out of                    10. Property damage to property owned or being
   para-sailing, kite-skiing or any similar activity                      transported by any covered person.
   which causes one to become airborne while being
   towed by a boat.                                                   11. Property damage to property:

3. Accidents occurring while you or any covered                            a. Rented to;
   person are participating in a racing event,                             b. Used by; or
   whether or not organized, including practicing for
   a race, as an occupant or an operator of a boat.                        c.   In the care of;

    This exclusion does not apply to sailing vessels,                      any covered person.
    with or without auxiliary power, or to predicted log
                                                                           This exclusion does not apply to a launching
    cruises.
                                                                           ramp, dock or boat storage house rented
4. Any loss while your boat is used for other than                         exclusively to you.
   private pleasure purposes or is hired or chartered
                                                                      12. Ownership, maintenance or use of any boat other
   without our written consent. Business
                                                                          than:
   entertainment for which there is no direct
   remuneration is considered private pleasure use.                        a. A boat owned by you or any family member
                                                                              and shown in the Coverage Summary.
5. Capture, seizure, arrest, restraint, detainment,
   taking by any government authority, either lawful                       b. An additional boat, or a replacement boat for
   or otherwise, or any consequences of these.                                one shown in the Coverage Summary, if you
                                                                              have asked us to insure it within the 30 day
6. Any loss unless your boat is seaworthy as of the
                                                                              period after you become owner and coverage
   effective date of this policy, and you do everything
                                                                              has been agreed to by us; or
   reasonably possible to keep it seaworthy during
   the policy period.                                                      c.   A non-owned boat.
7. Loss which:                                                        13. Use of a boat without a reasonable belief that the
                                                                          covered person is entitled to do so.
    a. May reasonably be expected to result from
       the intentional or criminal acts of any covered                14. Bodily injury or property damage which arises
       person; or                                                         out of the transmission of a communicable
                                                                          disease by any covered person.
    b. Is in fact intended by any covered person.
                                                                      15. Bodily injury or property damage arising out of
8. Loss arising out of fraud, dishonest, illegal or
                                                                          the ownership, maintenance or use of any boat by
   criminal acts of you or any covered person, or
                                                                          any person excluded from coverage by
   anyone to whom you entrust your boat. This
                                                                          endorsement(s) attached to this policy.
   exclusion does not apply to acts of your master,
   crew or a carrier for hire.                                        16. Loss caused directly or indirectly by:
9. Bodily injury to you or any family member.                              a. War, including undeclared war;
    This exclusion also applies to any claim made or                       b. Civil war;
    suit brought against you or any covered person:
                                                                           c.   Insurrection;
    a. To repay; or
                                                                           d. Rebellion or revolution;
    b. To share damages with;
                                                                           e. Warlike act by a military force or military
    another person who may be obligated to pay                                personnel;
    damages because of bodily injury to a covered
    person.                                                                f.   Destruction or seizure or use for a military
                                                                                purpose;


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                                          Copyright, Insurance Services Office, Inc., 1993
G-18546-A Ed. 09-93                                                                                              Page 9 of 12
    g. Discharge of a nuclear weapon, even if                         1. Anyone who is entitled to benefits under a
       accidental; or                                                    mandated or voluntary workers' compensation,
                                                                         non-occupational disability or occupational
    h. Radioactive contamination;                                        disease law.
    including any consequence of any of these.                        We do not provide UNINSURED BOATERS coverage
17. Bodily injury or property damage for which any                    for:
    covered person under this policy:                                 1. Injuries sustained while occupying or when
    a. Is also an insured under a nuclear energy                         struck by a boat owned by you or by a family
       liability policy; or                                              member and not insured for UNINSURED
                                                                         BOATERS coverage under this policy.
    b. Would be an insured under that policy but for
       the exhaustion of its limit of liability.                      2. The benefit of any insurer or self insurer under
                                                                         any workers' compensation, disability benefits or
    A nuclear energy liability policy is one issued by:                  similar law.
    a. American Nuclear Insurers;                                     HOW WE SETTLE LIABILITY, MEDICAL
                                                                      EXPENSE AND UNINSURED BOATERS
    b. Mutual Atomic Energy Liability Underwriters;
                                                                      CLAIMS AND WHAT YOU MUST DO
    c.   Nuclear Insurance Association of Canada;                     1. Your Duties After Loss.
    or any of their successors.                                            After an accident, you and any other covered
18. Liability from or as a consequence of the                              person under this policy must make sure that all
    following, whether controlled or uncontrolled or                       of the following are done. We have no duty to
    however caused:                                                        provide coverage under this policy unless there
                                                                           has been full compliance with these duties:
    a. Nuclear reaction;
                                                                           a. Give us or our agent as soon as possible:
    b. Radiation; or
                                                                                (1) All information you know on the time,
    c.   Radioactive contamination.                                                 place and circumstances of the accident.
                                                                                    In the case of a crime, any injury or
19. Any loss which occurs after you sell, assign or                                 collision, also notify the Coast Guard or
    transfer your interest in your boat.                                            other appropriate authority.
    Note:   You cannot transfer this policy to another                          (2) Identity of claimants, witnesses and
            person without our written consent.                                     covered persons.
We do not provide PERSONAL LIABILITY coverage                              b. Forward to us all written material you receive
for:                                                                          regarding the accident.
1. Loss arising out of the transportation of any boat                      c.   At our request, assist us in:
   on land.
                                                                                (1) Making settlement;
2. Loss arising out of the ownership, maintenance or                            (2) Conducting suits and attending hearings
   use of any boat trailer when the trailer is attached                             or trials;
   to a motorized land vehicle.
                                                                                (3) Securing and giving evidence;
3. Any loss in any way caused by pollution or by
   discharge or leakage of fuel, waste or other                                 (4) Enforcing any right of contribution or
   pollutants, unless the pollution, discharge or                                   indemnity against any person or
   leakage is the direct result of a loss covered under                             organization who may be liable to a
   PROPERTY COVERAGE BOAT.                                                          covered person.

We do not provide MEDICAL EXPENSE coverage for:                            d. You or any other covered person shall not,
                                                                              except at your own cost, voluntarily make any
                        Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                          Copyright, Insurance Services Office, Inc., 1993
G-18546-A Ed. 09-93                                                                                              Page 10 of 12
        payment, assume any obligation or incur any                       ’    Any insurance we provide with respect to a
        expense. This does not apply to first aid to                           boat you do not own shall be excess over any
        others.                                                                other collectible sources.
   e. Cooperate with us in the investigation,                             Territory
      settlement or defense of any claim or suit.
                                                                          The following exception is added:
2. Duties Of An Injured Person.
                                                                          Exception:
   The injured person shall:
                                                                          The "BOAT" Segment provides no coverage for
   a. Give us written proof of claim.                                     any accident occurring outside the waters defined
                                                                          in the Navigational Warranty as stated below:
   b. Authorize us to obtain medical information.
                                                                               "Within 50 miles of the mainland shoreline of
   c.   As often as we reasonably require:
                                                                               the continental United States of America,
        (1) Submit to physical examination by a                                Alaska or Canada or their respective Inland
            physician of our choice;                                           Waterways, or the Gulf of California North of
                                                                               30 degrees North Latitude."
        (2) Submit to examination under oath, while
            not in the presence of any other covered                 2. Only in regard to the coverage provided by this
            person and sign the same.                                   "BOAT" Segment, the following are added to the
                                                                        "GENERAL PROVISIONS":
   d. Not construe payment of medical claims as an
      admission of liability.                                             Subrogation
3. Suit Against Us.                                                       We may require an assignment of rights of
                                                                          recovery for a loss to the extent that payment is
   No action can be brought against us unless there                       made by us. If an assignment is sought, a person
   has been compliance with the policy provisions.                        to or for whom payment was made must sign and
   No action can be brought against us until the                          deliver all related papers and cooperate with us.
   obligation of the covered person has been                              Changes During The Policy Period
   determined by final judgment or agreement signed
   by us.                                                                 For all policy changes during the policy term, you
                                                                          must notify us within 30 days of the change. All
   No person or organization has any right under this                     premium adjustments as a result of the policy
   policy to bring us into any action to determine the                    change will be made effective on the date of
   liability of a covered person.                                         change. Changes made during the last 30 days
GENERAL PROVISIONS BOAT                                                   of the policy term will not be reflected in the
                                                                          current term, however, these changes must be
1. Only in regard to the coverage provided by this                        reported to us in order for coverage to be
   "BOAT" Segment, the corresponding provisions                           provided.
   of the policy's "GENERAL PROVISIONS" are
   amended by the following:                                              If there is a change to the information used to
                                                                          develop the premium for this "BOAT" Segment,
   Other Insurance                                                        we may adjust your premium. If a change
   The following exceptions are added:                                    requires a premium adjustment, we will make the
                                                                          premium adjustment in accordance with our
   Exceptions:                                                            manual rules.
   ’    This insurance will be excess over any                            The Law
        amounts recoverable under coverage
        required to be provided by any workers'                           If anything in this policy conflicts with state or local
        compensation, disability benefits or similar                      laws, we agree to honor any claim or suit in
        law.                                                              conformity with the law.



                       Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                         Copyright, Insurance Services Office, Inc., 1993
G-18546-A Ed. 09-93                                                                                              Page 11 of 12
   Unreasonable or Unnecessary Medical                                   injury, including fees for an excessive number,
   Expenses                                                              amount or duration of medical services.
   Under Medical Expense Coverage Boat and                               If the covered person is sued by a medical
   Uninsured Boaters Coverage, if a covered                              services provider because we refuse to pay
   person incurs medical expenses which are                              contested medical expenses, we will pay all
   unreasonable or unnecessary, we may refuse to                         defense costs and any resulting judgment against
   pay for those medical expenses and contest                            the covered person. We will choose the counsel.
   them. Unreasonable medical expenses are fees                          The covered person must cooperate with us in
   for medical services which are substantially higher                   the defense of any claim or lawsuit. If we ask the
   than the usual and customary charges for those                        covered person to attend hearings or trials, we
   services. Unnecessary medical expenses are                            will provide the coverage described in 3.c.,
   fees for medical services which are not usually                       Additional Liability Coverages Other
   and customarily performed for treatment of the                        Payments We Make. We will also pay other
                                                                         reasonable expenses incurred at our request.




                      Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                        Copyright, Insurance Services Office, Inc., 1993
G-18546-A Ed. 09-93                                                                                            Page 12 of 12

				
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