How much liability coverage do I need on a boat in Georgia?

Georgia sets no minimum watercraft liability requirement but $300,000 per occurrence is a reasonable floor for most recreational boats. Lake Lanier and coastal Georgia waters have significant traffic, and a collision injuring another boater can easily produce claims above $100,000. If you host passengers regularly or operate a larger vessel, $500,000 to $1M is more appropriate. Most marina leases require minimum liability proof.