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What is named operator vs. permissive use?


Old 03-15-2017, 01:17 PM
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Default What is named operator vs. permissive use?

Quick blurp on drivers on policies.

Insurance policies today are written in one of two ways when it comes to who is and isn't covered to operate your vessel.

First term: Named operator.

While most high performance boat owners are very familiar with this restriction/policy wording, those that are new or transitioning from other types of carriers, it's a term to understand and furthermore, know if it applies to your policy. This term is defined as follows:

".. any insured watercraft operator that has been approved by us (carrier) and specifically list on the Declarations page or by endorsement. Named operator does NOT include any family member, any person operating your insured watercraft with your prior permission, person or organization or employee thereof operating or owning a salvor or towing service, yacht club, boat repair yard shipyard, marina, sales agency or similar business...."

So in short, if the person is not actually listed on your policy, they have NO coverage while operating your vessel, permission or no permission from you.

Second Term: Permissive use Policy

A permissive use policy will define the covered people under the policy as "...you also includes any person or organization using
your watercraft with your consent. However, you does not include a:
i. Paid captain or crew of your
watercraft or any shipyard;
ii. Watercraft repair yard;
iii. Marina;
iv. Yacht/boat club;
v. Sales agency;
vi. Yacht/boat broker;
vii. Chartering agency; or
viii. Similar business or their

So under this type of policy you would LIST ALL HOUSEHOLD RESIDENTS on your actual insurance policy as operators. Beyond that, anyone with your expressed consent would be covered to operate the vessel so long as they are not on the list above OR specifically excluded from the policy for an specific reason.

Happy Boating Season! Stay safe and informed!


Stacy Shute (Hanlon)
The NO LIMITS Insurance Agency
866-728-9757 ext 101
Wake Zone Marine Insurance Brokerage, Inc. - CA License 0H05075
For an online quote: www.wakezoneinsurance.com
[email protected]

*** Please note that any insurance advice given is based on current information at the time of the original post. Insurance rates, terms, policies, markets etc change often. We can not be held liable for outdated information that can be found in older posts on this forum.
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Old 03-15-2017, 01:40 PM
Join Date: May 2011
Location: medina ohio/ sandusky ohio
My Boat: 1989 27 mach1 sold) - 2000 Donzi 33 ZX
Posts: 3,147

Once again great information for the best in the biz thanks. Will be up for renewal in may so will check that then. I think I know how mine is set up we talked about it when.
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