ACORD Forms
ACORD 82: Watercraft Application
The ACORD 82 is the watercraft application, used when a client wants coverage for a boat, its motors, its trailer, and the gear that travels with it. It asks for far more boat detail than the watercraft questions on a homeowners application: hull material and design, length, speed, cost new, waters navigated, and identification numbers, plus the same detail for each engine or outboard motor.
What it is
The ACORD 82 is the watercraft application, used when a client wants coverage for a boat, its motors, its trailer, and the gear that travels with it. It asks for far more boat detail than the watercraft questions on a homeowners application: hull material and design, length, speed, cost new, waters navigated, and identification numbers, plus the same detail for each engine or outboard motor.
It has a boundary worth knowing: the 82 is for boats, not yachts. If coverage will be written under a yacht policy, the ACORD 210 yacht section is the right form instead. Where the line sits depends on the market, so confirm which application the carrier wants before you start keying.
When it's used
- New watercraft submissions: powerboats, sailboats, and personal watercraft written on a boat policy.
- Boats that outgrow the homeowners policy's small-craft limits and need their own coverage.
- Remarketing a boat policy: hull, motor, and operator details captured once, sent to every market.
Section-by-section walkthrough
Identification
Your agency's details, the applicant, the target carrier, and the proposed effective and expiration dates.
Coverages and limits
The coverage requested: hull, motors, trailer, portable accessories, personal effects, towing, liability, medical payments, and uninsured or underinsured boaters where offered.
Watch for: A hull limit with nothing behind it. The limit should trace to cost new, purchase price, or a survey, because the carrier will ask which.
Boat hull
The vessel itself: hull material and design, propulsion, length, maximum speed, cost new, identification numbers, registration, where it is berthed, and the waters navigated.
Watch for: Vague answers on speed and waters navigated. Both are eligibility questions; a fast boat or open-water use puts the risk in a different program.
Engine or motor
Each engine or outboard motor: serial number, horsepower, fuel type, year, and purchase details.
Watch for: Skipping the serial numbers on outboards. They are the most stolen part of the boat, and the carrier wants them identified.
Trailer
The trailer's identification, cost, purchase date, and capacity, if a trailer is being covered.
Watch for: Forgetting the trailer entirely, then discovering at a claim that it was never scheduled.
Portable accessories and tenders
Electronics, fishing gear, and other portable equipment, plus any lifeboat or tender, with manufacturer, model, and serial detail.
Rating and underwriting information
Safety and theft detail: fire extinguishers, bilge pumps, fume detectors, navigation equipment, anti-theft devices, and lay-up periods.
Watch for: Not claiming the lay-up period. Boats stored for the winter can earn credit, but only if the application says so.
Operators
Everyone who operates the boat: license or safety-course details and boating experience.
Watch for: Listing only the applicant when a spouse or teenager also runs the boat. Operator experience drives both eligibility and price.
General information
The yes/no underwriting questions, including other coverage and history disclosures.
Watch for: A yes with no explanation in remarks.
Prior coverage and loss history
The prior marine carrier and policy details, plus prior losses for the years requested.
Watch for: Loss history that does not match what the carrier's reports will show. Underwriters compare.
Signatures
The applicant's and producer's signatures and dates, with any required fraud warnings.
Watch for: Unsigned applications. Markets quote from them but rarely bind on them.
In Relay
ACORD Generation is live in Relay. It drafts the ACORD 82 from the client record and the documents you already have, and a person reviews every field before anything goes out. See how →
Common errors
- Hull value unsupported by cost new, purchase price, or a survey.
- Operators missing from the application even though they regularly run the boat.
- Waters navigated understated, putting the risk in the wrong program.
- Motor and hull serial numbers missing or transposed.
- Using the 82 for a vessel the market writes on a yacht policy, which needs the ACORD 210 instead.
Common questions
When do I use the ACORD 82 versus the yacht form?
The 82 is the watercraft application for boat policies. If the market will write the vessel on a yacht policy, use the ACORD 210 yacht section instead. The cutoff varies by carrier and program, so ask the underwriter which application they want.
Does a boat on the homeowners policy still need an ACORD 82?
Homeowners policies carry limited coverage for small, slow boats. Once the boat exceeds what the homeowners form will absorb, it needs its own policy, and that is when the 82 comes into play. The umbrella side matters too: a scheduled boat also belongs on the ACORD 83 if the client carries one.
Can Relay fill out an ACORD 82?
Yes. ACORD Generation is live in Relay: it drafts ACORD forms from the client record and documents you already have, and a person reviews everything before it goes out.
Related forms
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
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