Coverage Options Tailored to Fit Your Client’s Needs

Harbor Risk has built a reputation as a top resource for recreational marine insurance across the country. Our knowledgeable team provides coverage options that protect critical business assets and operations. Our underwriters understand the types of exposure your clients face, so whether it’s damage to a customer’s boat while in for repair or damage to a dock caused by an unexpected wind event, our coverage options will respond and get your clients back up and running in no time.

Learn more about our comprehensive recreational marine coverage options.

  • Marinas
  • Boat Dealers
  • Yacht Clubs including Sail School
  • Yacht/Boat Brokers
  • Marine Artisans
  • Ship Repairer
  • Boat Builders
  • Boat Brokers’ Legal Liability
  • Boat Builder’s Risk
  • Boat Dealer Inventory*
  • Commercial Auto
  • Commercial Property*
  • Crime
  • Electronic Data Processing
  • Employment Practices Liability
  • Fine Arts
  • Garage Keepers’ and Garage Liability
  • General Liability*
  • Marina Operators’ Legal Liability
  • Marine Excess over Package Policy
  • Owned Boats (vessel physical damage)
  • Piers, Wharves and Docks*
  • Protection and Indemnity*
  • Tools and Equipment
  • Workers’ Compensation (with incidental USL&H)
  • Yacht Club Legal Liability

Boat Dealer Inventory

  • Diminished value
  • Non-reporting form
  • Title E&O
  • Truth in lending
  • False pretense
  • Title Recovery Expense
  • Off Premise coverage for display, storage, boat show for up to 120 days.

Commercial Property

  • Broadening endorsements
  • Business income
  • Equipment breakdown
  • Ordinance or Law

General Liability

  • Broadening endorsements
  • Hired and non-owned auto liability
  • Employee benefits liability
  • Increased fire damage
  • Sudden and accidental pollution liability
  • Liquor liability
  • Stop gap
  • EBLI
  • EPLI

Piers, Wharves and Docks

  • Debris removal
  • Dock business income
  • Equipment Breakdown
  • Ordinance or law
  • Utility service interruption
  • Weight of ice and snow

Protection and Indemnity

  • Incidental Crew (Jones Act)
  • Personal use of owned and/or boat dealer inventory vessels
  • Regatta liability w/ regatta borrowed boat
  • Rental boats
  • Sailing and Rowing school
  • Watersports liability (Towed watersports)
  • Work boats


Ready to Get Started?

Review the submission guidelines, submit the corresponding applications, or contact us to learn more.