Watercraft Insurance Being on the water should be fun.  Whether you own a personal watercraft or a 40-foot cruiser, knowing that you are properly insured should give you the peace of mind to relax and enjoy every nautical mile.  Talk to us for more information about how you can lower your premium. You may qualify for some of these credits and discounts.

Credits you may be eligible include:
    •Account credits (if you have more than one policy insured with a company)
    •Diesel fuel credits
    •Safety equipment credits
    •Safety course credits for state boating, as well as Coast Guard and Power Squadron courses

Most policies include:
    •Physical Damage Coverage for your Watercraft, Motor, Equipment and Trailer -
    Coverage is provided for a wide range of hazards including theft, weather, fire, and collision.
    We can provide coverage for you on an Agreed Value or Actual Cash Value basis.
    •Liability Coverage -  Your financial and property assets are protected if the operation of your 
    boat causes injury or property damage to others.  We offer a wide variety of liability limits to meet your needs.
    •Medical Payments -  All friends and family you welcome aboard are covered.
    We offer coverage for water skiers and wake boarders as well.
    •Emergency Assistance Coverage -  Our policies provide coverage for towing and labor costs when your watercraft is disabled.
    •Protection that travels with you -  We offer generous navigational limits around the U.S. and Canada.
    We can also provide some limited extensions of coverage for areas such as Bahamas and Mexico.

Why should you buy from an Independent Agent?

What we do

As an independent agent, we don't work for a single insurance company, WE WORK FOR YOU.   Unlike "captive" agents that can only represent one company, we're able to work with many of the strongest and most respected insurance companies in the world.  You'll have access to high quality products from companies that have outstanding reputations for fast and fair claims service.

Why Choose Us?

Our accomplished staff are licensed in Kansas and Missouri and have many years of experience and individually hold a number of professional designations.  Our most important goal at I.M.C. is to help our clients get the finest insurance coverage possible at the most competitive prices, while providing "personalized" service.

Our Process

We will personally work with you to ensure you are getting the best protection at the least expensive price.  At absolutely NO COST to you, we can provide a complete analysis of your insurance needs.  Then we will assist you in selecting the products/companies that best meets your specific situation.   Unlike other independent agents, we will never "charge" you for any of our services.