Personal marine & recreational vehicle: Markets abound

Rough Notes, Feb 1998 by Clapp, Wallace L Jr

Castagna Specialty Risk, 10235 W. Sample Rd., Ste. 105, Coral Springs, FL 33065; (954) 341-5690; (888) 277-7475; fax: (954) 341-5873 (Paul Castagna). This wholesale broker writes yachts and pleasure boats and marinas on a national basis.

The marine protector plan is a package policy available to owners of pleasure craft for hull and liability insurance coverage. This policy is designed to underwrite vessels that typically are avoided by the standard market, such as older vessels, those with a cruising area including the entire Caribbean, paid crews, maximum speed to 80 m.p.h., and owners and

operators with more than one traffic violation.

The policy provides hull limits up to $500,000, liability limits ranging from $100,000 to $1 million, and optional liquor liability coverage.

Central INSUR.EX Agency, 800 S. Washington St., Van Wert, OH 45891; (419) 238-4101; (800) 736-7131; fax: (800) 736-7026 (Kurt Muntzinger, CPCU).

This managing general agency offers a yacht insurance program for pleasure boats with hull limits of $50,000 or higher and liability limits up to $1 million. Coverage.

restrictions are North Atlantic Ocean, or Gulf of Mexico. Agents in IL, IN and OH are serviced. The underwriting company is Fireman's Fund Insurance Co.

The agency also has insurance coverage available for motor homes and travel trailers. Eligible for the motor home policy are those vehicles for personal use only or used as a primary residence. High value units are eligible. Liability limits are written up to $300/$500/$100 with higher limits subject to approval. Travel trailers are written for regular use for full-timers and as a primary residence. Risks rented to others may be covered. The underwriter for the motor home and travel trailer coverage is Foremost Insurance Co. Century Underwriters, Inc., 1414 Investment Bldg., Pittsburgh, PA 15222; (412) 281-7252; (800) 2428042; fax: (412) 281-9415 (Leslie O'Brien). This general agency offers insurance for pleasure boats and personal watercraft. Maximum length is 30 feet and maximum horsepower is 300. Personal watercraft is 15 feet, 11 inches and speed up to 1300 CC displacement engine capacity Liability limits are available to $100/$300. The agency services agents in PA only. Underwriters are Midwestern Mutual Insurance Co. and Windsor Mt. Joy Insurance.

Policy coverage is also available for motorcycles, snowmobiles, motor homes and travel trailers. Motorcycle insurance is written through Midwest Mutual for standard and ATV types and Harley-Davidson

Tourrider/Saferider. Liability limits are available up to $100/$300/$50. Aegis Insurance offers a standard or elite program with maximum liability coverage of $50/$100/$25.

A snowmobile policy is available through Midwest Mutual for vehicles with maximum limits of $50/$100/$25. A full combination package is written with a six-month lay-up provision providing liability comprehensive and collision insurance. A budget package provides no collision, six-month lay-up for liability and comprehensive.