ACORD 82: Watercraft Application
ACORD 82 is the Watercraft Application. It organizes information about the vessel, motors, trailer, equipment, operators, and requested insurance.
What it is
ACORD 82 is the Watercraft Application. It organizes information about the vessel, motors, trailer, equipment, operators, and requested insurance.
Begin with the registration or purchase records, equipment details, intended navigation, and client answers. Confirm which application the market accepts for that vessel and program; labels such as boat and yacht do not establish a universal size cutoff.
When it's used
- The market accepts ACORD 82 for the watercraft being submitted.
- A boat purchase needs the hull, engines, trailer, and requested limits reconciled.
- A renewal or remarketing task needs updated use, operators, and equipment.
Section-by-section walkthrough
Identification
Your agency's details, the applicant, the target carrier, and the proposed effective and expiration dates.
Review check: Match the applicant and 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.
Review check: Separate hull, engine, trailer, and accessory values.
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.
Review check: Confirm navigation territory, vessel identity, and use.
Engine or motor
Each engine or outboard motor: serial number, horsepower, fuel type, year, and purchase details.
Review check: Check each motor's identifiers and specifications.
Trailer
The trailer's identification, cost, purchase date, and capacity, if a trailer is being covered.
Review check: Identify the trailer and requested coverage.
Portable accessories and tenders
Electronics, fishing gear, and other portable equipment, plus any lifeboat or tender, with manufacturer, model, and serial detail.
Review check: List the equipment and requested values distinctly.
Rating and underwriting information
Safety and theft detail: fire extinguishers, bilge pumps, fume detectors, navigation equipment, anti-theft devices, and lay-up periods.
Review check: Describe actual safeguards and lay-up arrangements.
Operators
Everyone who operates the boat: license or safety-course details and boating experience.
Review check: Collect the operators and experience requested by the market.
General information
The yes/no underwriting questions, including other coverage and history disclosures.
Review check: Follow the question's explanation instructions.
Prior coverage and loss history
The prior marine carrier and policy details, plus prior losses for the years requested.
Review check: Use the requested loss period.
Signatures
The applicant's and producer's signatures and dates, with any required fraud warnings.
Review check: Confirm the required signers.
In Relay
Relay can prepare supported ACORD drafts from the documents you provide. This reference guide explains ACORD 82; it is not a promise that this form or edition is available in your workspace. Check the supported form, then review the fields and missing answers before use. See how →
Common errors
- Confusing hull identification with an outboard serial number.
- Omitting intended navigation or seasonal storage details.
- Treating equipment owned by the client as automatically insured.
Common questions
Which records should we collect?
Bring the vessel registration or purchase information, motor and trailer details, prior insurance, and the client's description of use and navigation. Record missing identifiers for follow-up.
Does ACORD 82 apply to every yacht or boat program?
Confirm the application with the market. It may request a different form or its own survey and supplemental information.
Related forms
Form references
- ACORD Forms Portal: current forms and authorized access
- ACORD-authored Forms Index, May 2024 (historical form names)
Confirm the form edition and requirements with the market receiving the submission.
Part of the Relay ACORD form library. Updated 2026-07-11. See how we source content.
Your next step starts with one email.
Join the waitlist. We’re inviting agencies regularly and will email you when access is available.
Join the waitlist