Specialized Yacht Insurance for High-Value Vessels

Protect Your Yacht and Your Peace of Mind

As a professional and experienced Marine Insurance Broker, On The Water Marine Insurance is ready to work with you to protect your vessel. With over a decade of experience, On The Water Marine Insurance specializes in comprehensive yacht coverage for vessels up to $5 million. Whether you’re purchasing your first yacht or your next, you deserve expert guidance and top-tier protection.

Getting Yacht Insurance is Simple

Fill out a simple contact form

Our contact form is available 24 hours a day. Once received, our licensed yacht insurance broker will reach out to discuss your yacht insurance needs. During this call we will work to understand your needs so we can get you to the right insurance company.

Prefer to call now?

Our office hours are Monday – Friday from 9am – 5pm. Feel free to contact us directly at (513) 653-3800. After hours and on weekends, you can reach Eric, our yacht insurance broker, on his cell phone by call or text at (513) 653-3299.

Send us an email

You can also reach our yacht insurance broker at anytime via email. His email is Eric@OnTheWaterMarine.com.

We look forward to working with you and getting you, On The Water!

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What types of boats qualify for Yacht Insurance?

Yacht insurance comes into play for larger vessels, typically greater than 35-40 feet in length. Many different vessels can qualify for yacht insurance such as luxury high value yachts, sport fishing boats, trawlers, cruisers, large sailboats and more.

What makes yacht insurance different than boat insurance?

In the simplest of terms, the coverage is more extensive. Because of the larger size, the insurance needs to adjust. On a typical yacht insurance policy, there may be coverage for things like extended navigation into the Bahamas or Caribbean, or even a captain or crew member on board. Every yacht has unique risks, requiring specialized coverage.

What insurance companies underwrite yachts?

Great question! We work with top-rated yacht insurers, including Chubb, Travelers, American Modern, and Seafarer Marine, to name a few. It’s important for us to understand your needs so we can get you to the right company. Book your consultation today so we can get you, On The Water!

Coverage options for your Yacht

  • Agreed Value Coverage

  • Bodily Injury & Property Damage Liability

  • Extended Navigation, including the Bahamas

  • Marina & Yacht Clubs as Additional Insured

  • Full Time Captain / Crew Coverage

  • Longshore and Harbor Workers Compensation Act

  • Coverage Extensions for your Dinghy or Tender

  • Uninsured/Underinsured

  • Fuel Spill Liability

  • Wreckage Removal

  • Personal Effects

  • Emergency Assistance & On Water Towing

  • Search and Rescue

  • Breach of Warranty for your Finance Company

Yacht Insurance FAQ’s

Typically vessels above 35ft can qualify for yacht insurance. We have no length maximum and can write coverage for vessels up to $10,000,000 in value. 

This is specific to each policy. Be sure to discuss your intended navigation with our team. We can cover your navigation in the coastal waters of the United States as well as the Bahamas and limited Caribbean.

If you will have a captain or crew on board your yacht, your liability protection will need to extend to them. We can add this coverage to ensure you a property protected.

We can secure coverage that will allow charter usage of your yacht. This can cover both full time and occasional charters.

Depending on the size, location, and usage, there are multiple companies. Chubb, Travelers, American Modern, Seafarer Marine are a few that have available coverage for yachts. As a marine insurance broker, we represent all of them above and more.

Hurricane plans are essential for yacht insurance. This is a detailed plan that you will put in place to help protect the vessel against an incoming tropical storm or hurricane. 

Guiding you on the creation and implementation of your hurricane plan will be part of our insurance process.