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

Georgia law does not set minimum liability for recreational watercraft, but $300,000 per occurrence is a reasonable starting point. Lake Lanier and coastal Georgia waters have significant recreational traffic, and a collision injuring another boater can easily exceed $100,000. If you host passengers regularly or operate a larger vessel, $500,000 to $1M is more appropriate. Most marina lease agreements in Georgia require a minimum liability limit before granting slip access.