Umbrella Insurance Vs. Excess Liability Insurance: What’s the Difference?
Two insurance terms that are often used interchangeably in Williamston, MI are umbrella insurance and excess liability insurance, but they are not the same thing.
From Stem to Stern, We're Your Michigan Boat and Watercraft Experts
There’s no state that loves boat owners and their pontoons, bowriders, and cabin cruisers more than Michigan. But, many of those boats are underinsured or not insured at all. If you’re a Michigan boater, you’re going to want to turn to the experts at CG to make sure your boat insurance is ship-shape.
Why Choose CG Insurance
Protection Built for Michigan's Lakes, Marinas, and Seasonal Boating Needs
Boating in Michigan brings unique risks, from inland lakes to Great Lakes conditions. We help you get the right protection for your vessel and your passengers.
Local Expertise
Coverage built for Michigan lakes, marinas, and short boating seasons.
Flexible Options
Pontoons, personal watercraft, fishing boats, sailboats, cruisers, and more.
Independent Guidance
We compare multiple carriers to fit your boat and budget.
Insurance Coverage
What It Covers
Boat insurance protects you, your passengers, and your vessel on and off the water.
Physical Damage
Repairs or replacement for collisions, storms, and accidents
Liability Protection
For injuries, property damage, or accidents involving others
Theft and Vandalism
Hull, equipment, and gear
Equipment and Accessories
Trailers, fishing gear, electronics, safety equipment
Emergency Towing
On-water assistance and recovery
Tailored Solutions
Coverage Options
Customize Your Coverage
Every boat and every lake lifestyle is different. We'll help you tailor a policy that fits how you use your vessel.
- Agreed value vs. actual cash value (important for older or specialty boats)
- Trailer coverage and transport liability
- Extended liability for passengers or water sports
- Fuel spill / pollution liability
- Wreck removal coverage
- Separate PWC (jet ski) policies or bundling
- Seasonal layup periods / reduced off-season rates
Common Gaps & Smart Add-ons
Michigan boaters often face coverage gaps that traditional home or auto policies don't address.
- Road towing coverage – For transporting your boat on the trailer
- Water sports liability – Tubing, skiing, wakeboarding
- Uninsured/underinsured boater – Critical on busy inland lakes
- Storm/Great Lakes endorsement – For larger or Great Lakes–capable vessels
- High-value equipment coverage – Electronics, fishing gear, custom components
- Personal effects coverage – Phones, coolers, clothing, etc.
Our Clients
Who It's For
Whether you're cruising inland lakes or fishing Michigan's coastlines, boat insurance is essential for:
Recreational Boaters
Pontoons, fishing boats, speedboats on Michigan lakes.
Watercraft Owners
Sailboats, and other personal watercraft on lakes and rivers.
Lenders Requiring Coverage
Financed boats often need comprehensive protection.
Our Process
How We Work
Review
We look at your boat type, usage, storage, and transport needs.
Compare
We evaluate multiple carriers to find the right limits and pricing.
Protect
You get coverage that fits your lifestyle and the water you boat on.
FAQs
Michigan Boat & Watercraft Insurance FAQs
Insights
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