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Building solutions to help protect your marine business
Whether you own a marina, boat dealership or operate passenger vessels, your business may be subject to various risk exposures that are specific to the marine industry. At Brown & Brown, we will work to understand your needs and help you navigate the current market to identify a program that will help limit your unique exposures.
Your Personal Insurance Team at Brown & Brown helps to identify the proper coverage to protect your yacht and personal property. We work with multiple insurers to offer a variety of comprehensive solutions so you have peace of mind knowing your property is protected. Along with competitive rates, we can offer money-saving strategies based on factors such as claim history analysis and your vessels safety features.
Our team has the knowledge and experience to help offer you a personalized solution to fit your specific marine needs. After reviewing your current coverage, we will make recommendations to help build a program that will keep pace with your changing needs.
Fill out the form with any questions you have about finding the coverage that's right for you!
Monday - Friday: 9am - 6pm
Saturday: 10am - 2pm
Sunday: Closed
Please contact us if you cannot find an answer to your question.
Boat and yacht insurance – sometimes referred to as marine insurance – is designed to help protect you and your boating guests from the potentially high cost of accident-related damages or injuries. It is a contract between you and your insurance company in which you pay a premium to the insurance company in exchange for a set of available coverages you select. If you finance or lease your vessel, your lender may require specific insurance coverages and limits.
Carrying boat or yacht insurance is a smart decision. Contrary to popular belief, your vessel is not automatically covered under your homeowners policy. If you cause an accident, or get into one with an uninsured vessel, you may be held responsible to cover related expenses, such as repairs, property damage, medical bills and more. Without the proper coverage, your financial well-being could be at risk.
Working with an insurance representative to create a marine insurance policy that helps fit your individual needs and budget can help protect you, your loved ones and your assets in the event there is a boating accident.
A boat is a major investment, and one that should be protected year-round. Fire, theft, weather and natural disasters can damage your boat anytime, anywhere. Without adequate coverage, your boat remains exposed to these threats all year long. Your insurance representative can help you determine which boat policy options best fit your needs and budget.
Umbrella insurance is a separate, personal liability policy that can provide an additional layer of protection beyond what your boat insurance policy may provide.
The cost of damages for which you may be personally responsible after a serious incident involving your vessel can quickly add up to exceed the limits on your boat policy. Umbrella insurance can provide extra protection in these cases, and is a valuable addition to any insurance portfolio, particularly if you have many assets to protect. Talk to your insurance representative to see if an umbrella policy is right for you.
Get ready to enjoy more of what you love – time out on the water with friends and family. Make sure your boat and everyone on it are properly protected with us.
Boat insurance costs will vary based on the state where you use your boat and the coverage options you select. For instance, agreed value policies will generally cost more than actual cash value policies. If keeping costs down is a priority, choosing a higher deductible can reduce your policy premium. Depending upon the state where the boat is used, policies can be purchased at a very reasonable price.*
You need boat insurance for many reasons. Boat insurance covers loss or damage to your boat and helps protect you financially for injuries or damage caused by covered mishaps. In addition, liability coverage can help protect you if you cause injury to others or their property while using your boat. Medical payments coverage provides reimbursement for injuries to you and your guests. Boat insurance even covers on-water towing.
Contact us today for your boat insurance quote. We can help you choose a policy with your needs in mind to get the appropriate coverage before you head out on the water for your next boating adventure.
This provides coverage for incidents when another boater may not have insurance coverage. As long as you've chosen sufficient limits on your policy, uninsured boater coverage can help cover your medical bills and bodily injury resulting from an accident with someone who does not have insurance. Coverage extends to you, your family and your passengers. The requirement for uninsured boater coverage varies by state.
You choose between agreed value or actual cash value coverage. Agreed value provides “replacement value” on covered partial losses involving your vessel. Actual cash value earns you a premium discount. In the event of a loss, settlement is based upon a depreciated value.
Get reimbursed for transportation of your boat to a repair facility when it’s inoperable, as well as for gas delivery and roadside assistance.
Protects personal property on the boat including but not limited to fishing equipment, clothing and boating-related equipment such as life vests.
This coverage provides protection in the event of a collision such as with a submerged object or another boat.
This helps cover costs of bodily injury or damage to the property of others.
Save money on boat insurance. If you already hold an auto insurance and/or home or other boat/yacht policies, you may be eligible for multi-policy discounts.
Equipment credits are available when you have certain equipment onboard, such as GPS, radar, CO2 detectors and alarm systems. These can help save you money on boat insurance.
You may be eligible to save up to 5% per boat for passing certain safe boating courses, including those offered by the U.S. Power Squadron and the U.S. Coast Guard; and up to 10% per boat for advanced courses, such as a Captain’s license.
Receive yacht insurance discounts for your large yacht* for times when your vessel is laid-up (decommissioned).
Brown & Brown, Inc.
7015 Snider Plaza, Dallas, Texas 75205, United States
Copyright © 2023 High Touch Insurance - All Rights Reserved.
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