The Pantaenius Third Party Liability policy is very comprehensive, and yes, it includes cover for watersports. It covers the liabilities of the owner, but also the liabilities of anyone else using the yacht with his permission, or engaged in watersports activities from the yacht. For example, if you are out with some friends and towing one of them on waterskies, your liability to them is insured, but so also is their liability to anyone they may hit in the water.And the good news is, watersports cover is automatically included without additional premium, and includes SCUBA activities, as long as properly supervised and equipped.