Specialized Marine Business Insurance with On The Water Marine Insurance
If your business works on boats—whether you’re repairing fiberglass, installing electronics, detailing vessels, or servicing engines—you need insurance designed specifically for marine work.
Standard contractor policies often exclude marine operations, leaving businesses exposed to claims involving boats, docks, marinas, and waterfront environments.
On The Water Marine Insurance specializes in marine-only coverage and helps boat repair professionals secure insurance built for real marine risks.
We work with specialized ocean marine insurance markets including RLI Marine Artisans and IGP Specialty Recreational Marine programs, designed specifically for marine service operations.
If your company touches a customer’s boat, you should have marine artisan coverage
What Is Marine Artisan Insurance?
Marine artisan insurance is liability coverage designed for businesses that repair, maintain, install, or service boats and marine equipment. It protects marine professionals from claims involving:
- Damage to a customer’s vessel
- Bodily injury at your shop, dock, or marina
- Property damage caused during repair work
- Completed operations claims after work is finished
- Marine Artisans & Ship Repairer Insurance
- Loss or theft of tools and mobile equipment
Marine artisan coverage is specifically designed for marine trades and often provides protections not found in standard contractor insurance.
Who Needs Marine Artisan Insurance?
Marine artisan policies are designed for a wide range of boat service businesses, including:
Boat Fiberglass Repair Companies
Fiberglass repair specialists working on hull damage, gelcoat repair, structural repairs, and topside restoration need specialized marine liability coverage.
Boat Detailing Businesses
Boat detailers working with polishing compounds, cleaning chemicals, and waxing equipment face risks involving accidental damage to vessels or marina property.
Marine Mechanics
Technicians working on engines, propulsion systems, fuel systems, and generators require coverage designed for mechanical marine work.
Marine Electrical Contractors
Businesses installing navigation systems, electronics, lighting, radar, or battery systems require marine-specific liability coverage.
Marine Welding and Fabrication
Hot work performed on boats introduces elevated risk exposures that require properly structured coverage.
Boat Painting and Bottom Coating
Paint application, bottom coating, and refinishing operations involve chemical exposure, overspray risks, and environmental considerations.
Mobile Marine Service Technicians
Businesses that travel to marinas, private docks, or waterfront properties often need policies that allow for mobile marine service work.
Additional Marine Trades
Marine artisan coverage can also apply to:
• Canvas and sail repair
• Electronics installers
• Shrink wrapping services
• Winterization services
• Marine refrigeration technicians
• Dockside service providers
If your business services or repairs boats, marine artisan insurance is designed for you.
What Coverage Does Marine Artisan Insurance Include?
Coverage varies depending on operations, but marine artisan programs typically include a combination of the following protections.
Marine General Liability
Covers bodily injury or property damage caused by your business operations.
Examples include:
• A customer slipping in your work area
• Damage caused to marina property
• Third-party property damage during operations
Marine Artisans Liability
Protects your business when damage occurs to a vessel during repair or service work.
Examples may include:
• Accidental damage to a boat while performing repairs
• Damage caused during installation work
• Claims related to completed operations
Limited Pollution Coverage
Many marine operations involve materials that can create environmental exposures.
Coverage may apply to incidents involving:
• Fuel spills
• Chemical leaks
• Environmental cleanup requirements
Coverage varies depending on operations and underwriting.
Tools and Equipment Coverage
Many marine artisan policies can include protection for tools and equipment used in marine service operations.
This may include:
• Portable tools
• Specialized repair equipment
• Diagnostic equipment
• Mobile service equipment
Coverage may apply at job sites, marinas, or while in transit.
What Information Is Needed to Get a Quote?
To properly underwrite marine artisan insurance, carriers typically review several factors about your operation.
This may include:
• Type of work performed
• Years of experience in the marine industry
• Annual revenue
• Payroll and number of employees
• Use of subcontractors
• Locations where work is performed
• Loss history
• Types of vessels serviced
• Any hot work or specialized repair operations
Completing our intake form allows us to gather the details needed to obtain accurate quotes from marine insurance markets.
Get a Marine Artisan Insurance Quote
If your business repairs, maintains, or services boats, marine artisan insurance is an important part of protecting your operation.
Complete our intake form and we will review your operation and provide options from specialized marine insurance markets.