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SkiSafe Boat Insurance Review

Rating: 8.2 / 10 (Excellent)
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SkiSafe exclusively serves the U.S. boating community through customizable boat insurance policies tailored to each watercraft type and class, from jet skis and fishing boats to luxury yachts. The insurer is headquartered in Lake Success, New York, and has over 300,000 costumers around the nation.

How is SkiSafe rated?


Coverage & Benefits
Customer Experience
Financial Strength & Reputation

Overall Rating: 8.2 / 10 (Excellent)

SkiSafe exclusively serves the boating community in the United States by offering customizable policies on all class and type of watercraft to meet the unique needs of each prospective client. It claims to have more than 300,000 U.S. boat insurance customers. SkiSafe is customer-centric, offering a multitude of boat-related resources on its website, and it offers live chat, free quotes, and quick claims processing. The company holds solid ratings from A.M. Best, Moody's, and Standard & Poor's but is not listed with the BBB or on Trustpilot.com.

SkiSafe Coverage & Benefits

Coverage & Benefits - 8 / 10

Because SkiSafe is exclusively a boat insurance provider, it customizes coverage for a wide range of watercraft, including but not limited to jet skis, bass boats, pontoons, leisure boats, sailboats, and luxury yachts. The company also provides liability coverage with towing, roadside assistance, and no-fault medical payments up to $25,000. Additionally, it offers a Disappearing Deductible Option on Agreed Value and Replacement Cost policies, where, in the case of total loss, the deductible will be waived. No other discounts were clearly listed on its website.
Policy Type
Agreed Value
Bodily Injury Liability
Property Damage Liability
Medical Payments
Additional Boat Equipment
Boat Trailer
Personal Watercraft
Type of Boat
Personal Watercraft
Pontoon Boat
Add-On Coverages
Total Loss Replacement
On-Water Towing
Diminishing Deductible

SkiSafe Customer Experience

Customer Experience - 8 / 10

SkiSafe offers free online quotes (in minutes), live chat, online accounts and has quick turnaround claims processing times; an adjuster is assigned immediately. An agent will work directly with a prospective customer or with their homeowner or auto policyholder. The annual premium must be paid in one lump sum. The company provides a generous amount of boat-related information including a blog and articles on maintenance and safety tips. There are no memberships provided through SkiSafe.
Online Quotes
Live Chat
Online Account
Additional Resources

SkiSafe Financial Strength & Reputation

Financial Strength & Reputation - 8.5 / 10

SkiSafe policies are underwritten by AXIS Insurance Company, a US-based company. Its parent company, AXIS Capital Holdings Limited, is located in Bermuda. Therefore, the ratings in this section reflect the AXIS Insurance Company. It has solid ratings with Moody's, Standard & Poor's Financial, and A.M. Best. The company had more than $831 million direct premiums earned in 2017 including boat insurance. Unfortunately, SkiSafe is not listed with BBB or Trustpilot.
Company Type
Subsidiary/ Partner
Year Founded
NAIC Marketshare (2017)
NAIC Complaint Ratio (2017)
NAIC Total Complaints (2017)
NAIC Direct Premiums Earned (2017)
AM Best Financial Rating
Standard & Poor's Financial Rating
Moody's Financial Rating
Date Collected

Company Profile

Full Name
SkiSafe Boat Insurance
Company Website
1 Hollow Lane, Lake Success, NY, 11042

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Top Rated
9.3 / 10
  • Affordable insurance coverages for recreational boaters
  • Agreed value, actual cash value, liability-only, and anglers-only policies
  • Unlimited towing with BoatUS membership
  • Mechanical breakdown endorsement available
  • 25% diminishing deductible on all base policies
  • 24/7 dispatching and claims reporting