Get Your Lightning Fast Quote    

About the LightningShield™ Policy

LightningShield is a new, unique and surprisingly inexpensive, supplemental insurance policy that covers your boat against lightning damage. It protects against physical damage to your boat from a direct or indirect lightning strike up to the amount of the policy limit that you choose. LightningShield has no deductible and we won’t increase your premiums just because you have a claim. Getting a quote is fast and easy online now. There is no required inspection.

Do I really need supplemental insurance for lightning?

Yes. As boaters ourselves, we believe so. That is why we created LightningShield. In fact, the concept was conceived out of the negative personal experience of one of our founders in making a claim for modest lightning damage on his own boat insurance policy.

Lightning affects 10,000 to 15,000 boats a year in the US. It is consistently in the top 10 of claims filed by boaters every year (and in the top 5 in some states). Anyone who has been boating for a significant length of time has either been impacted by a lightning strike themselves or knows someone who has been.

We’ve heard many stories about the difficulties of getting even a modest claim paid by standard boat insurance following a lightning strike. Furthermore, if the claim is paid, the standard insurance company will remove your no-claims status and increase your premium and/or increase your deductible for years to come. In the end you find you would have been better off if you had never filed the claim in the first place. That is where LightningShield comes in. Lightning is a real risk to boaters and LightningShield is a real solution for boaters. Find out how inexpensive it is.

Doesn’t my boat insurance already cover lightning?

If you have standard boat insurance, it may indeed already cover your boat for lightning. However, LightningShield is a supplemental and first-responding insurance policy with no deductible which means in the event of a lightning strike you call us first. Lightning is consistently in the top 10 (or in some states top 5) of insurance claims for damage to boats.

While occasionally a lightning strike can completely destroy a boat, in the vast majority of cases the strike causes damage under $10,000 – or even under $5,000. If the loss you experience is a typical one and within the limits of your LightningShield policy, then LightningShield pays you and there is no need to contact your standard insurance carrier. LightningShield provides fast claims adjustment to get you back on the water as quickly as possible, and, best of all, you keep a valuable claims free loss record with your standard boat insurance. That claims free loss record with the standard insurance carriers is valuable to you personally because, if you make a claim on a standard policy, the insurance company will remove your no-claims status and may increase your premium and/or increase your deductible for years to come. Adding up all those premium increases, you may wish that you had never filed the claim in the first place.

How does LightningShield work relative to standard boat insurance?

LightningShield is a supplemental and first-responding insurance policy relative to your standard boat insurance policy. This means in the event of a lightning strike you call LightningShield first. If the loss you experience is a few thousand dollars like the vast majority of lightning claims and within the limit you selected for your LightningShield policy, then we simply pay it and there is no need to contact your standard insurance carrier. The benefit to you is our fast and hassle-free claims service and, best of all, you keep a valuable claims free loss record on your standard boat insurance.

That claims-free loss record with the standard insurance carriers is valuable to you personally because, if you make a claim on a standard policy, the insurance company will remove your no-claims status and may increase your premium and/or increase your deductible for years to come. LightningShield has no deductible and we will not increase your premiums just because you have a claim. Also, if you have a lightning loss paid, your LightningShield policy will automatically reinstate itself at no additional charge with a fresh insurance limit available in the unlikely event your get struck a second time during the policy period.