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All boats with motors over 50 horsepower and all personal watercraft must have a minimum of $50,000 liability insurance before operating on the waters of Arkansas. Proof of insurance is required in order to register a boat or renew a registration. Boat liveries (marinas) must carry a minimum $500,000 in liability coverage. Operators must be at least 14 years old to operate a personal watercraft without supervision. Persons 12 and 13 years old may operate with someone at least 18Years on board.