because my Boat US policy for 300K liability comes with a mandatory 875K fuel spillage coverage and doesn't break out the liability on the premium end from from the other things covered like medical payments to injured. I highly recommend Boat US based on one claim in 10 years in which I received excellent professional service and full reimbursement for a prop issue and transmission. To this day I believe I didn't hit anything to shear of a blade--but that it was metal fatigue in a repaired blade by the previous owner which escaped the survey.