OUR SERVICES
Marina Insurance
Protecting Your Business, Boats & Clients
Comprehensive Coverage for Marina Operators
Operating a marina means managing risks related to docks, boat storage, fuel stations, and customer liability. Your business faces potential exposure to severe weather, vessel damage, environmental hazards, and accidents on your premises. Without the right insurance, an unexpected incident could result in significant financial loss.
We provide customized insurance solutions to protect marina owners, staff, and customers, ensuring that your business is financially secure no matter what comes your way.
Coverage Designed for Marina Operations
Protection for Your Property, Guests & Business Operations
General Liability Insurance
Protects against lawsuits, injuries, or property damage claims from boat owners, visitors, or third parties.
Dock & Pier Coverage
Provides protection for damage to docks, piers, and marina structures caused by storms, fires, or vessel collisions.
Boat Storage & Haul-Out Coverage
Covers damage or loss of customer boats while stored in wet slips, dry docks, or boat lifts.
Fuel & Pollution Liability Insurance
Protects against environmental claims and cleanup costs from fuel spills or hazardous waste incidents.
Commercial Property Insurance
Covers buildings, offices, and equipment in case of fire, flooding, vandalism, or natural disasters.
Business Interruption Coverage
Provides financial compensation for lost income if your marina must close due to a covered event.
Your Questions Answered
Understanding Coverage for Marina Owners & Operators
What does marina insurance cover?
Marina insurance provides comprehensive protection for docks, storage areas, boat repair shops, and other waterfront operations. Policies typically include liability coverage for customer injuries, property damage protection for docks and piers, and environmental liability insurance for fuel spills and pollution incidents.
Why do marinas need pollution liability insurance?
Pollution liability coverage is essential because fuel spills, hazardous waste disposal, and runoff from cleaning chemicals can lead to expensive environmental cleanup costs and regulatory fines. If your marina operates a fuel dock, boat repair service, or wastewater disposal system, pollution liability insurance helps ensure compliance with local, state, and federal regulations.
Does marina insurance cover storm or hurricane damage?
Yes, marina insurance policies typically include storm and extreme weather protection, covering dock damage, property loss, and business interruptions caused by hurricanes, floods, or high winds. Coverage levels vary based on location, storm frequency, and policy details, so it’s important to assess your risk exposure.
What happens if a customer’s boat is damaged while stored at my marina?
If a boat stored at your marina is damaged due to fire, theft, vandalism, or an accident caused by your facility’s negligence, boat storage & haul-out coverage helps cover repair or replacement costs. Customers should also have their own boat insurance, but your marina can be held responsible in some cases, making this coverage critical.
Does marina insurance include workers’ compensation for employees?
Workers’ compensation insurance is separate from standard marina coverage, but it’s essential for protecting employees in case of work-related injuries. If your marina employs dock workers, fuel station attendants, or boat maintenance staff, having workers’ comp coverage ensures they receive medical benefits and wage replacement if injured on the job.
Can I get coverage for multiple marina locations?
Yes, we offer customized multi-location marina insurance policies, allowing owners with multiple properties to streamline coverage and reduce costs. Whether you operate seasonal marinas, dry storage facilities, or full-service waterfront businesses, we tailor policies to fit your needs.