Or is it a matter of cost, being much more expensive to insure them separately?
Precisely. Economies of scale.
USMS actually has a dozen or so policies. As far as I know, this year is the first time open water has had its own category.
Or is it a matter of cost, being much more expensive to insure them separately?
Precisely. Economies of scale.
USMS actually has a dozen or so policies. As far as I know, this year is the first time open water has had its own category.
