Marine Insurance Brokers Supporting Retail Agents Nationwide

When a commercial client has a marine risk you can't place, the danger isn't just the lost marine premium. It's that a competing agency with marine capability uses that gap to walk away with the entire account — the property, the GL, the auto, the workers' comp, all of it. A single vessel or dock exposure becomes the wedge that costs you the relationship.

You bring us the marine portion. We handle everything specialist about it — coverage structuring, market access, submission, negotiation, binding, and ongoing service — while you remain the broker of record on the account and stay the client's primary point of contact. To your client, the marine coverage simply gets handled correctly. We operate behind you, not in front of you.

• The client relationship and the account, start to finish
• Broker-of-record status and control of the overall program
• A share of the marine commission (structure/split negotiated based on your level of involvement)
• Your standing as the person who solved the marine problem, not the one who couldn't

• Access to marine markets you likely can't reach directly — specialty domestic carriers, Lloyd's and London markets, P&I clubs, and program facilities built for vessel, cargo, and facility risk
• Technical coverage work: hull and machinery, P&I, cargo and stock throughput, pollution and COFR/OPA compliance, marine liability, USL&H, and bumbershoot structuring
• Contract and charter review where insurance and indemnity language drives the coverage
• Certificates, endorsements, renewals, and marine claims advocacy

We are a marine-only brokerage. We don't quote your client's property, GL, auto, or other lines, and we don't solicit them. The account stays yours; the marine risk is the only thing we touch. That lane discipline is the whole reason a wholesale arrangement works — you get specialist capability without handing a competitor a foothold in your book.

Sometimes a marine account isn't worth the effort to service. Maybe it's a one-off that doesn't fit your operation, maybe it's a favor for a good client, or maybe you simply don't want to carry the E&O exposure of servicing a risk you don't fully understand. Passing it to a generalist who mishandles it reflects back on you. Letting it go unplaced helps no one.

You refer the client to us. We become the broker of record, place the coverage directly, and own the servicing and the relationship from that point forward. In exchange, we pay you an ongoing referral commission for as long as we retain and renew that client — not a one-time finder's fee. Every renewal cycle we keep them, you get paid again.

A flat referral fee pays you once and forgets you. Our structure treats a good introduction as what it actually is — a recurring revenue stream. As long as we do our job and the client renews, the referral commission keeps coming, year after year, with zero ongoing work or exposure on your end. One good marine referral can pay out for as long as that account stays on the books.

• Recurring referral commission on the marine account (percentage/term specified when we set up the arrangement), paid on each renewal we retain
• No placement work, no servicing burden, no marine E&O exposure
• Confidence the client is handled by a specialist, which protects your standing with them
• A clean, documented arrangement that fits your license status and state requirements

Everything — placement, servicing, certificates, renewals, and claims. Once the introduction is made, the account is ours to manage and yours to earn from.

Referral and commission-sharing arrangements are governed by state insurance law and depend on the referrer's license status. Because this program is built for licensed brokers, we can structure an ongoing commission-share cleanly and compliantly. We document each arrangement to match your licensing and jurisdiction so the recurring payments are on solid footing — no gray areas.