Business insurance
Marine Business Insurance
Marinas, charter operators, boat dealers, repair yards and marine contractors in South Florida's busiest boating market.
Why it's different
Coverage built for how marine businesses actually work
Marine businesses sit between land and water, and so does their insurance. Customers' boats in your care, employees working over water and federal maritime law all change what coverage you need. We place marine programs with carriers that specialize in them.
- Customers' vesselsBoats you store, repair or sell for others need marina operators or ship repairers legal liability, not standard property coverage.
- Maritime employeesWorkers on docks and vessels may fall under federal law, such as the Longshore and Harbor Workers' Compensation Act, instead of state workers' comp.
- Charters and passengersCarrying passengers requires protection and indemnity coverage sized to your vessel and trips.
- Named stormsHaul-out plans, storm deductibles and where vessels ride out a storm all affect coverage.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
Marina operators liability
For vessels in your care, custody and control
Ship repairers liability
For boatyards and marine service
Protection & indemnity
For charter and passenger vessels
Hull coverage
For business-owned vessels
USL&H workers' comp
For maritime employees
Commercial property & GL
For docks, buildings and premises
FAQ
Marine Businesses insurance questions
Does my general liability cover customers' boats?
Usually not. Damage to vessels in your care is typically excluded from GL and needs marina operators or ship repairers legal liability.
Do my employees need special workers' comp?
Employees working on navigable waters or docks may need USL&H coverage. We'll review your operations to confirm.
Free, no-obligation review
Get a Marine Businesses insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.