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There are two basic parts of a typical boat or yacht insurance policy: physical damage protection and third party liability coverage.
The physical damage refers to the accidental loss or damage to the boat hull, motor(s), and any other equipment used to operate the boat.
Liability coverage refers to your legal obligations to third parties. Legal matters can arise from bodily injury or death, or the physical damage to someone else's property, as a result of the ownership or operation of your boat. P&I also covers your legal defense in the case you are sued for a liability that may be covered under your boat insurance policy.