Boat & Watercraft Insurance

Boat insurance · Minnesota & beyond

Lake days are for memories, not worries.

Sunset cruises, the kids tubing behind the pontoon, the first walleye of the season. Your boat is where summer happens. Protect it and everyone aboard.

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Boat & Watercraft Insurance, done right

Many homeowners policies offer little or no coverage for boats, especially larger motors. A dedicated boat policy covers your boat, motor and trailer on the water, on the road and in storage, plus liability if someone is injured.

What it can cover

Physical damage to your boat, motor and trailer
Liability for injuries or damage to others
Uninsured boater coverage
Fuel spill liability, towing and on-water assistance
Personal effects, fishing equipment and accessories

Questions people ask

Does my homeowners policy cover my boat?

Usually only small boats with very limited coverage. Most pontoons, fishing boats and wake boats need their own policy.

Do you cover personal watercraft (jet skis)?

Yes. Tell us about each watercraft in the quote form.

Is winter storage covered?

A boat policy typically covers your boat year-round, including in storage. Be sure to tell us where it’s stored.

Let’s make sure you’re covered.

A 2-minute online questionnaire, no PDFs. I’ll personally follow up, usually within one business day.

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David Olson, licensed insurance producer · MN License #40937238. Intrinsic Insurance LLC is not an insurance carrier. Coverage is subject to underwriting and availability.

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Our Story

At Intrinsic Insurance, we’re proud to be an independent, full service, Minnesota-based insurance company that’s proudly been serving our community. Our story begins with a simple goal: to provide top-quality insurance coverage and exceptional customer service to individuals and businesses throughout the state. Our founder, David Olson, saw a need for a different kind of insurance company. He believed that insurance should be about more than just selling policies; it should be about building relationships and providing peace of mind to our customers on what matters most. With this vision in mind, David started Intrinsic Insurance, and the company has been growing ever since.

At first, we focused on providing personal insurance, such as auto, home, and life insurance, to individuals and families throughout Minnesota. But as we grew, we saw an opportunity to expand our services to businesses of all sizes. Today, we offer a full range of commercial insurance products, including liability, property, workers’ compensation, and more.

One of the things that sets Intrinsic Insurance apart is our commitment to our customers. We believe that insurance should be easy to understand and easy to use, and we strive to make the process as smooth and stress-free as possible. Our agents take the time to get to know our customers and their unique needs, so we can provide personalized coverage that meets their specific requirements. Over time, we’ve earned a reputation for exceptional customer service and expertise in the insurance industry, real estate, and construction. We’re proud to have a team of experienced agents who are dedicated to providing our customers with the highest level of service and support. Our agents are knowledgeable, friendly, and always available to answer questions or help our customers file a claim.

Intrinsic Insurance is also committed to giving back to the communities we serve. We support a variety of local organizations and initiatives, including schools, nonprofits, and community events. We believe that being a good neighbor and giving back is an essential part of being a successful business. As we look to the future, we’re excited to continue growing and expanding our services to meet the evolving needs of our customers. We’re always exploring new technologies and insurance products to provide the best possible coverage and service. But one thing that will never change is our commitment to our customers and our community.

We’re proud to be a Minnesota-based insurance company, and we’re honored to serve the people and businesses of our great state. Thank you for choosing Intrinsic Insurance as your insurance provider, and we look forward to continuing to serve you for many years to come.

Questions? Call David Olson 952.314.9446 or email: [email protected]