Learn Marine Artisan Insurance

Coverage for installation, repair or service work on private and commercial watercraft. 
Marine Artisan
We have several programs designed to cover marine artisans, which are individuals or small businesses performing installation, service, or repair on private or commercial watercraft.

​Typically, they will work at a marina or boatyard owned by others, work on private or small commercial watercraft and have gross receipts of $3,000,000 per year or less and at least 80% of their annual gross receipts are derived from one or more of the trades listed below.
Trade examples include the following businesses: 
  • Repair and/or install:
    • Electronics and electrical systems
    • Fiberglass and topside
    • Canvas, sail and upholstery
    • Prop and/or restoration
  • Repair, overhaul or service engines
  • Detailing or cleaning (including Underwater)
  • Carpentry and refurbishing
  • Woodworking
  • Painting / bottom coating
  • Marine refrigeration & plumbing
  • Marine rigging work
  • Marine welding work
  • Outfiting
  • Shrink wrapping
  • Soda blasting
  • Vessel commissioning
  • Winterization
Key coverage highlights:
  • Care, custody, and control exposures
  • Sudden and accidental pollution coverage
  • Worldwide coverage
  • Premiums as low as $110 a month
  • Free Blanket AIs
The owners of these businesses need three different types of liability insurance to cover their exposures.
  • First, they need Marine General Liability protection which will cover them if someone is injured while they a performing their work and provides products and completed operations coverage which covers them for damages that occur as a result of the work.
  • Second, they need Marine Operators Liability which covers damage that occurs to non-owned watercraft while it’s in their care custody and control for detailing and cleaning only, or Ship Repairers Legal Liability which covers damage that occurs to a customer’s vessel while it’s in their care custody and control for repairs and for which they are legally liable.
  • The third is Protection and Indemnity which covers them if they are operating customers’ vessels for sea trials.
Looking for something else? Check out our additional Commercial Marine pages:
Marine General Liability FAQ
Marine Charters and Guides
Ocean Marine Cargo
Marine Contractor
Boat Dealers & Brokers
Boat Builders
Marina Operators and Boat Yards
Watercraft Rentals