I know from reading the fine print last time I took a Voyage boat out on charter, and a very good friend of mine is their primary charter agent (Susan). My daughter also works for them in Annapolis (procurement specialist) - (my 'ties' to the marine industry are hereby exposed).
They are not alone in the industry on this - just them I'm sure of.
A friend of mine bounced off a boat in Spanish Town - and while I never got the whole story - he wound up paying the damages out of pocket (several hundred bucks). There is a deductible - often rather large.
Dinghy insurance is also optional, and let me tell you (again, heresay, not known) they will replace that old RIB and O/B you lost with a brand new one imported from the U.S. for top dollar (5k or more) if it gets 'stolen' or lost.