Insurance Requirements

Liability Insurance Requirement

All personal watercraft and motorboats powered by engines of more than 50 horsepower must be covered by a liability insurance policy issued by an insurance company authorized to do business in Arkansas.

• The policy must provide at least $50,000 of liability coverage per occurrence.       
• It is illegal for the owner of such vessels to operate or allow others to operate unless the vessel has the required insurance.       
• The insurance requirement does not apply to vessels properly registered in another state   

Proof of insurance must be carried on board the vessel and be available for inspection by an enforcement officer.

Registration applications for vessels requiring liability insurance must be accompanied by proof of the insurance policy.