Marine business insurance coverages

After 35 years of writing marine insurance, you’d expect us to know our bow from our stern.

Our goal is to create a customized commercial marine policy that works for you and your business. And with our 35 years of experience, we can do just that.

Coverage for your marine business

Watercraft and equipment coverage
Helps pay for repairs or replacement of your boat if it is damaged or stolen. Flexible deductible options.

Watercraft liability
Watercraft liability coverage will help pay damages for bodily injury or property damage for which the insured is legally liable through ownership, maintenance, or use of the insured boat.

Pollution liability
Provides coverage for the sudden, accidental and unexpected discharge or spillage of a contaminant from the insured vessel.

Trailer coverage
Coverage for the trailer used to carry the insured watercraft.

Additional Marine Tradesman insurance coverages

Business interruption coverage
When a loss occurs, it can lead to costly downtime. Business interruption coverage helps marine businesses withstand a covered loss so it is "business as normal."

Watersport liability
Coverage for bodily injury or property damage while the insured vessel is being used for waterskiing, aquaplaning or any similar sport in which a person(s) or object(s) are being towed.

Premises or slip liability
"Slip & fall" coverage, provides protection for the insured if another person is injured while on the insured's property.

Medical payments
Helps pay for necessary medical treatment resulting from an accident causing bodily injury to any person while in, boarding or leaving the insured vessel.

Personal property
Provides coverage for personal items not generally required for the safe operation or maintenance of the vessel (i.e. stereos, cameras, water-skis, sporting equipment, life vest, etc.). Items are covered while aboard an insured vessel, or while being loaded or unloaded.

Emergency towing & assistance
Coverage will reimburse the reasonable cost incurred (up to the limit purchased) if commercial towing assistance is required. Includes delivery of gas, oil, parts or a loaned battery (excluding the cost of items themselves) or emergency labor, while away from safe harbor.

Fishing equipment
Coverage on a primary basis for fishing equipment while aboard the insured vessel or when it is stored in a locked storage facility. Fishing equipment includes gear and equipment used in the legal taking of fish, including rods, reels, lures, rigs, line, tackle boxes and related electronic gear.

Uninsured and underinsured watercraft
Coverage will pay for damages you are legally entitled to receive from an uninsured owner or operator of a watercraft (other than the insured watercraft) if bodily injury results from an accident while aboard.

Crew liability
Coverage for paid captain or crew member while aboard the insured vessel.

Preferred charter (sport fishing only):

  • Tournament fee reimbursement - reimbursement for the non-refundable portion of a tournament entry fee
  • Referral liability - covers legal obligations if the insured negligently refers people to another professional charter and they are injured
  • Emergency expense reimbursement - coverage for the lodging and transportation expenses due to a covered physical damage loss, while more than 250 miles from mooring location
  • Limited commercial fishing - allows usage for limited commercial fishing

Insurance, coverage, and discounts are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. For questions or a complete definition of coverages and discounts available to you, please call a Markel Specialty insurance specialist at +1.866.936.1879.

Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier. 258370 – 1221

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