Insurance is one of the most important things to check before booking a transporter. We aren't an insurer and can't give insurance advice, but these are the questions to ask.
The transporter's insurance
For-hire motor carriers must carry liability insurance and file proof with the FMCSA. Cargo insurance, which covers damage to your boat while it's being transported, is a separate policy with its own limits and exclusions. Ask for a certificate of insurance that shows:
- The company name matching the one you're booking.
- Cargo coverage with a limit at least equal to your boat's value.
- The deductible, and who pays it if there's a claim.
- Valid policy dates covering your move.
Your own boat insurance
Some boat policies cover the boat in transit, and some don't. Ask your insurer whether your policy covers road transport by a third party, and whether you need to tell them about the move.
Before and after
- Photograph the boat thoroughly before loading.
- Note any existing damage on the bill of lading at pickup.
- Inspect carefully at delivery and note any new damage before signing.
This guide is general information, not insurance or legal advice.
Last reviewed 2026-11-15.