Learn about Marine Contractor Insurance

Coverage for those performing construction for waterfront homeowners and business communities, small marinas, small municipalities, light commercial operations, and surveying of light commercial and private vessels.
Marine Contractor
​​​We have several programs designed to cover marine contractors, which are individuals or small businesses involved in marine structure maintenance, service and repair. All need marine contractor insurance coverage.

​Typically, they will work at a marina or boatyard owned by others, work on private or small commercial marine structures 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:
    • Boat & travel lifts
    • Marine outflow tunnels / pipes
  • Construct and/or repair:
    • Docks & gangways
    • Seawalls / breakwaters
    • Wharves
  • Beach restoration
  • Dredging
  • Marine pile driving / cofferdams
  • Pile Wrapping​
  • Contractor - Dredging / Docks
  • Dredge Operators
  • Dredge Services
  • Dredging Services
  • Manufacturing, Distribution and Installing of Boat Docks
  • Marine Arbitrators
  • Marine Architect and Engineers Services
  • Marine Architects
  • Marine Biologist
  • Marine Biologists
  • Marine Consulting and Compliance Inspections
  • Marine Craftsperson
  • Marine Design Services
  • Marine Engineering
  • Marine Farming
  • Marine Film Specialists
  • Marine Navigation Services
  • Marine Seawall and Dock Inspection Services
  • Marine Surveyor
  • Marine Surveyor (Yacht and SMall Craft)
  • Marine Surveyor and Appraisal Services
  • Marine Surveyor Services
  • Marine Surveyors
  • Marine Surveys and Inspection of Houseboats
  • Marine Surveys and Inspection of Houseboats
  • Pile Cleaning and Inspection (Water Only) for Residential Developments
  • Sailing Consultants
  • Sailing Safety Services
  • Test Marine/Scoring Consultants
  • Tug Boat Services
  • Yacht and Commercial Craft Surveyors​


​Key coverage highlights:
  • Available for all waterways: Coasts, rivers, lakes, open water
  • 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 two 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 Contractors Liability which covers damage that occurs to marine structures while it’s in their care custody and control and for which they are legally liable and also covers them if they are operating vessels during salvage, wreck removal, or other such similar operations.

Looking for something else? Check out our additional Commercial Marine pages:
Marine General Liability FAQ
Marine Charters and Guides
Ocean Marine Cargo
Marine Artisan
Boat Dealers & Brokers
Boat Builders
Marina Operators and Boat Yards
Watercraft Rentals