Free for Boat Owners ·
One Workspace for Insurance Pros
Marine Insurance Clarity — for Boat Owners and Insurance Professionals.
Boat Owners: Understand your coverage, see where quotes differ, and request new coverage.
Insurance Professionals: Share your digital business card, capture leads anywhere, and collect client coverage with Clean Copy, then compare quotes side by side in one workspace.
Free for Boat Owners · One Workspace for Insurance Pros
Marine Insurance Clarity —
for Boat Owners and Insurance Professionals.
Boat Owners: Understand your coverage, see where quotes differ, and request new coverage.
Insurance Professionals: Share your digital business card, capture leads anywhere, and collect client coverage with Clean Copy, then compare quotes side by side in one workspace.
For Boat Owners
Understand what your policy covers, see where your quotes differ, and request new coverage through the PolicyOptic Marketplace when you’re ready.
PolicyOptic for Boat OwnersFor Insurance Professionals
One workspace for winning and keeping clients. Share your digital business card and capture leads on the spot, even offline at a boat show. Send a Clean Copy request from your desktop or straight from your card. Clients upload their coverage without sharing their price. Then compare quotes side by side, turn them into reports you can share, and connect with boat owners requesting coverage through the PolicyOptic Marketplace.
PolicyOptic for Insurance ProsWhat’s in the Pro Workspace
Digital Business Card
Share by QR code or link. Contacts save to their phone in one tap.
Lead Capture
Scan a business card or show badge and log the lead. No signal? It sends when you’re back online.
Clean Copy
Collect a client’s coverage from your desktop or your card, with the price removed.
Quote Review & Reports
See where quotes differ and share a clear report.
WHAT POLICYOPTIC DOES
From Insurance Documents to a Clearer View
Upload the documents you already have. PolicyOptic organizes what they state into one structured review, with every important detail traceable to its source.
Quote A
Received quote
Quote B
Received quote
Quote C
Received quote
Side-by-side comparison
Only terms that differ are shown. Darker shading marks a value that stands apart; lighter shading with “Wording differs” marks text worded differently. Nothing is ranked or judged.
Deductibles
Named storm deductible
- Quote A:
- 5% · page 3
- Quote B:
- 10% · page 3
- Quote C:
- 10% · page 3
Liability and other limits
Liability limit
- Quote A:
- $500,000 · page 2
- Quote B:
- $1,000,000 · page 2
- Quote C:
- $500,000 · page 2
Navigation and use
Navigation limits
- Quote A:
- Florida and Bahamas · page 4Wording differs
- Quote B:
- Florida only · page 4Wording differs
- Quote C:
- Florida, Bahamas and U.S. East Coast · page 4Wording differs
| Term | Quote ASample Carrier A | Quote BSample Carrier B | Quote CSample Carrier C |
|---|---|---|---|
| Deductibles | |||
| Named storm deductible | 5%page 3 | 10%page 3 | 10%page 3 |
| Liability and other limits | |||
| Liability limit | $500,000page 2 | $1,000,000page 2 | $500,000page 2 |
| Navigation and use | |||
| Navigation limits | Florida and BahamasWording differspage 4 | Florida onlyWording differspage 4 | Florida, Bahamas and U.S. East CoastWording differspage 4 |
Side-by-side comparison
Only terms that differ are shown. Darker shading marks a value that stands apart; lighter shading with “Wording differs” marks text worded differently. Nothing is ranked or judged.
Price
Annual premium
- Quote A:
- $18,450 · page 1
- Quote B:
- $21,300 · page 1
- Quote C:
- $17,900 · page 1
Hull and settlement
Hull / physical damage value
- Quote A:
- $3,200,000 · page 2
- Quote B:
- $3,200,000 · page 2
- Quote C:
- $3,050,000 · page 2
Deductibles
Hull / physical damage deductible
- Quote A:
- $16,000 · page 3
- Quote B:
- $16,000 · page 3
- Quote C:
- $15,250 · page 3
Named storm deductible
- Quote A:
- 5% · page 3
- Quote B:
- 10% · page 3
- Quote C:
- 10% · page 3
Liability and other limits
Liability limit
- Quote A:
- $500,000 · page 2
- Quote B:
- $1,000,000 · page 2
- Quote C:
- $500,000 · page 2
Medical payments
- Quote A:
- $10,000 · page 5
- Quote B:
- $5,000 · page 5
- Quote C:
- Not stated in this quote
Uninsured / underinsured boater
- Quote A:
- $500,000 · page 6
- Quote B:
- Not stated in this quote
- Quote C:
- $300,000 · page 6
Navigation and use
Navigation limits
- Quote A:
- Florida and Bahamas · page 4Wording differs
- Quote B:
- Florida only · page 4Wording differs
- Quote C:
- Florida, Bahamas and U.S. East Coast · page 4Wording differs
Lay-up / storage period
- Quote A:
- Not required · page 7Wording differs
- Quote B:
- July 1 – October 31 · page 7Wording differs
- Quote C:
- Not stated in this quoteWording differs
Operator restrictions
- Quote A:
- Named operators only · page 7
- Quote B:
- Referenced endorsement not included · page 7Wording differs
- Quote C:
- Named operators only · page 7
Policy details
Carrier / underwriter
- Quote A:
- Sample Carrier A · page 1
- Quote B:
- Sample Carrier B · page 1
- Quote C:
- Sample Carrier C · page 1
| Term | Quote ASample Carrier A | Quote BSample Carrier B | Quote CSample Carrier C |
|---|---|---|---|
| Price | |||
| Annual premium | $18,450page 1 | $21,300page 1 | $17,900page 1 |
| Hull and settlement | |||
| Hull / physical damage value | $3,200,000page 2 | $3,200,000page 2 | $3,050,000page 2 |
| Deductibles | |||
| Hull / physical damage deductible | $16,000page 3 | $16,000page 3 | $15,250page 3 |
| Named storm deductible | 5%page 3 | 10%page 3 | 10%page 3 |
| Liability and other limits | |||
| Liability limit | $500,000page 2 | $1,000,000page 2 | $500,000page 2 |
| Medical payments | $10,000page 5 | $5,000page 5 | Not stated in this quote |
| Uninsured / underinsured boater | $500,000page 6 | Not stated in this quote | $300,000page 6 |
| Navigation and use | |||
| Navigation limits | Florida and BahamasWording differspage 4 | Florida onlyWording differspage 4 | Florida, Bahamas and U.S. East CoastWording differspage 4 |
| Lay-up / storage period | Not requiredWording differspage 7 | July 1 – October 31Wording differspage 7 | Not stated in this quoteWording differs |
| Operator restrictions | Named operators onlypage 7 | Referenced endorsement not includedWording differspage 7 | Named operators onlypage 7 |
| Policy details | |||
| Carrier / underwriter | Sample Carrier Apage 1 | Sample Carrier Bpage 1 | Sample Carrier Cpage 1 |
Same in all quotes
- Policy effective date: September 1, 2026
Your Documents Stay Private. Your Information Stays in Your Control.
Private Documents
Uploaded policies, renewals and quotes are not public. Clean Copy removes pricing and sensitive items before anything reaches an agent.
You Control Sharing
You decide when and with whom information is shared.
Source-Linked Information
Important facts can be traced to the source document and page.
No Insurance Advice
PolicyOptic organizes factual information and highlights what may need clarification. Insurance advice comes from licensed professionals.