It depends on the laws in your local area.
If you're renting a boat, you may need special insurance. We suggest inquiring with the boat owner to see if he or she already has this. If not, you may need to purchase it.
If you're booking a charter with a captain, the watercraft should already be covered under a charter insurance policy that the boat owner has acquired.
Please note GetMyBoat does not offer insurance and is not partners with any insurance companies at this time. Any insurance questions should be handled between the parties involved.