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Marine Insurance

For personal use, boats are considered a luxury item and a significant investment. When used as a business, the loss of your boat can mean the loss of your ability to make a living. Protection for your investment is a must.

Marine insurance allows you to protect yourself and your property from the uncertainties of the sea. Whether you are protecting your small motorboat used for fishing excursions, a large pleasure yacht, or a fleet of cargo vessels, marine insurance can be adapted to protect your vessel. Marine insurance is especially important because the perils facing a boat or ship can come from natural causes or mechanical causes and given the potential isolation of the boat or ship, can have costly consequences.

Marine insurance is usually split between the hull or structure and the contents of the boat or cargo of the boat. Loss can also be categorized as an actual total loss or constructive total loss depending on whether the loss is clear or inferred. Marine insurance also contains liability policies and can have provisions for salvage and pollution policies, ensuring you are protected from many of the costliest perils that can affect a boat or ship and the people that work on them.

Shopping for marine insurance and sorting through the different types of policies can take a lot of time and research; however an independent insurance agency such as the Boardwalk Insurance Group can do much of the shopping for you. Fill out some simple forms and answer a few questions online about your boat or ship and a representative from Boardwalk Insurance Group will contact you quickly to help create the best marine insurance policy for your boat or ship. Boardwalk Insurance Group representatives have access to 23 different insurance providers and can take the time to understand your needs when creating the marine insurance policy that will best fit the needs of your boat or ship.

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