If I use my power boat to tow a water-skier (including tubes, toboggans, sleds or anything tied towed behind the boat) will I have cover under my insurance?
If you have Comprehensive Cover, you can ask your provider to add the water-skiers liability optional cover for an extra premium. This option provides cover for your legal liability to pay compensation up to a specified value for death or injury to a person being towed by your boat or death or injury to other people or damage to their property caused by a person or object being towed by your boat. There must be an observer on your boat for this cover to operate. If you do not have this optional cover listed on your Certificate of Insurance, then any incidents that may occur when participating in water-skiing activities will not be covered. It is best to call your provider and clarify this with them.
