Keith wrote:
Towboat US insures you, not the boat. So you can use it on any boat you're
on. Useful if you have more than one boat, or if you're on a buddies boat
that craps out.

Seatow insures the boat, so it can only be used with whichever boat you
insure.

Not exactly true. I have a Seatow "Skippers" membership and it covers
any boat for which I am in command. There are several levels of Seatow
membership. You are correct in that the lowest level only covers the
boat. If plan to operate more than one boat, get the next level. Or if
you are a delivery captain or operate commercially, get the commercial
level.
krj