We've built Bimini on modern technology that eliminates paperwork and streamlines every aspect of getting and using your insurance. But technology is just the tool—people are always our priority.
Think of this as your boat’s best friend. It covers your hull, motors, and attached gear from theft, accidents, storms, fire, and more. If something unexpected happens, we pay to repair or replace your boat—quickly and without hassle.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Peace of mind, delivered. If you're involved in an accident that hurts someone or damages another person's property (like their boat or dock), we've got your back, covering legal costs and claims so you can relax and enjoy the ride.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Boating is about good times with friends and family. If someone on board gets injured, our Med Pay coverage kicks in right away to cover medical or funeral expenses, regardless of fault. No headaches, just swift support.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Not everyone plans ahead—but we do. If an uninsured or underinsured boater damages your vessel or injures you, our policy steps in. It's your safety net when others fall short.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Your favorite gear goes everywhere with you, and we're here to make sure it stays protected. From fishing rods to electronics, we cover your personal items against theft, loss, or damage. Cast away confidently.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Stranded on the water? Not on our watch. We provide 24/7 towing, fuel delivery, jump-starts, and more—directly coordinated and paid by us. Quick help when you need it most.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
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Accidents happen. If your boat sinks or gets stranded, we'll handle the heavy lifting—literally—by covering the costs of removal and cleanup. We keep it simple, responsible, and worry-free.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Being responsible boaters means protecting the waters we love. If fuel or oil accidentally leaks, we'll handle the cleanup costs and any third-party damages, keeping both you and the environment safe.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Engine trouble? We’ve got a fix for that. Our affordable mechanical breakdown option covers major engine repairs—even wear-and-tear. Stay moving without breaking the bank.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Your adventure doesn't stop at the shore, and neither does our coverage. Protect your boat trailer from accidents and breakdowns, and if you're stranded far from home, we've got lodging, meals, and alternative transport covered too.
Protects the vessel itself against damage or loss from fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Protects the vessel fire, theft, storms, collision, and sinking
Prepare your boat for the season with this spring commissioning checklist focusing on insurance and safety advice.
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Navigate the essentials of boat insurance in New York, from coverage options and state-specific endorsements to savings tips. Join Bimini's waitlist now to secure effortless, digital-first coverage crafted specifically for NY boaters.
You should review your insurance policy at least once a year or whenever you experience significant life changes, such as marriage, buying a home, or having a child. Regular reviews ensure that your coverage remains adequate and relevant to your current situation.
An exclusion is a specific condition or circumstance that is not covered by your insurance policy. It is crucial to read your policy carefully to understand what is excluded, as this can affect your coverage and claims process.
You can reduce your insurance premium by increasing your deductible, maintaining a good credit score, bundling multiple policies, and taking advantage of discounts offered by your insurer. Additionally, regularly reviewing your coverage needs can help ensure you are not overpaying.
A coverage limit is the maximum amount an insurance company will pay for a covered loss. It is important to understand your coverage limits to ensure you have adequate protection in place. If a loss exceeds your coverage limit, you will be responsible for the remaining costs.
A deductible is the amount you are required to pay out-of-pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and incur a $2,000 claim, you will pay the first $500, and your insurance will cover the remaining $1,500.
An insurance premium is the amount you pay to your insurance company for coverage. Premiums can be paid monthly, quarterly, or annually, and the amount is determined by various factors, including the type of coverage, your risk profile, and the insurance provider's pricing policies.
To file a claim, contact your insurance provider directly through their claims department. You will need to provide details about the incident, including any relevant documentation, such as police reports or medical records. The claims process may vary by provider, so it's important to follow their specific guidelines.
There are various types of insurance available, including health insurance, auto insurance, home insurance, life insurance, and liability insurance. Each type serves a specific purpose and protects against different risks, allowing individuals and businesses to choose coverage that fits their needs.
Insurance is essential for safeguarding your financial future. It helps cover unexpected events such as accidents, illnesses, or property damage, ensuring that you are not left with overwhelming costs. Having insurance provides peace of mind and financial security.
Insurance is a financial product that provides protection against potential future losses or damages. It involves the transfer of risk from an individual or business to an insurance company, which in return for a premium, agrees to compensate for covered losses.
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