Marine Liability for Marine Service Businesses
If your business works on boats, your insurance needs to reflect that. Most standard contractor policies were not built for marine work.
That becomes a problem when you are:
- Working on a customer’s boat
- Operating inside a marina
- Using tools and equipment around vessels
That’s where coverage gaps show up.
What Is Marine Artisan Insurance?
Marine artisan insurance is built for businesses that repair, service, or work on boats.
It’s designed to respond to the types of claims marine businesses actually face, including:
- Damage to a customer’s vessel
- Property damage during service work
- Injuries at your shop, dock, or marina
- Claims after the job is completed
- Tools and equipment used in your operation
If your company touches a customer’s boat, this is the type of coverage you should be looking at.
Who needs this coverage?
We work with businesses like:
- Boat repair shops
- Fiberglass and gelcoat specialists
- Boat detailers
- Marine mechanics
- Electrical and electronics installers
- Mobile marine service providers
If that’s what you do, this is built for your type of operation.
What Makes This Different
Marine businesses are not underwritten the same way as standard contractors.Things like:
- Where you work (shop vs marina vs mobile)
- What type of boats you work on
- The kind of work you perform
All impact how coverage should be structured.
We work with marine-specific insurance markets that understand these risks and price them accordingly.
What Coverage Does Marine Artisan Insurance Include?
Coverage varies depending on your operation, but marine artisan policies typically include:
- Marine General Liability
- Covers bodily injury or property damage caused by your operations.
- Marine Artisans Liability
- Protects your business when damage occurs to a vessel during repair or service work.
- Tools and Equipment
- Coverage for tools and equipment used in your work, including mobile setups.
- Limited Pollution
- Coverage for fuel spills, chemicals, and environmental exposures where applicable.
Getting a quote
To get accurate options, carriers will typically review:
- Type of work you perform
- Years of experience
- Revenue and payroll
- Where work is performed
- Types of vessels serviced
If you want to take a look at your options, complete our intake form and we’ll go from there.
Get a Marine Artisan Insurance Quote
If your business repairs, maintains, or services boats, this coverage is designed for the risks you’re dealing with every day.
Standard policies don’t always account for that.