"jps" wrote in message
Okay, I understand but the question remains. Why would my broker write
the policy for $50K "uninsured boater?" If someone were to get hurt,
$50K can get eaten up pretty fast...

The reason a broker would write that policy is it allowed him to give you a
low price, so you would buy the policy from him, allowing him to make his
commission. He did not do his job, and I would look for another insurance
agent and company.