Comprehensive Coverage Options

Harbor Risk has built a reputation as a top resource for recreational marine insurance across the country. Our knowledgeable team specializes in covering the types of exposures often present in the marine industry. From damage to a customer’s boat while under repair to damage to docks under the weight of snow, Harbor Risk offers a complete line of marine insurance solutions to protect critical business assets and operations.

Learn more about our comprehensive recreational marine coverage options.

  • Artisans/Ship Repairer
  • Boat Builders
  • Boat Dealers
  • Marinas
  • Sailing Schools
  • Yacht Brokers
  • Yacht Clubs
  • Boat Builder’s Risk
  • Boat Dealer Inventory*
  • Commercial Auto
  • Commercial Property*
  • Crime
  • Directors' and Officers'
  • Electronic Data Processing
  • Employment Practices Liability
  • Fine Arts
  • Garage Keepers’ and Garage Liability
  • General Liability*
  • Marina Operators’ Legal Liability
  • Maritime Employers’ Liability
  • Owned Boats (rental or work)
  • Piers, Wharves and Docks*
  • Protection and Indemnity*
  • Tools and Equipment
  • Yacht Brokers’ Legal Liability
  • Workers’ Compensation (with incidental USL&H)

Boat Dealer Inventory

  • Diminished value
  • Reporting and non-reporting
  • Title errors and omissions
  • Truth in lending
  • False pretense
  • Bumbershoot Umbrella (Over marine and non-marine liabilities)

Commercial Property

  • Broadening endorsement
  • Business income
  • Equipment breakdown
  • Increased cost of construction
  • Increased demolition

General Liability

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

Piers, Wharves and Docks

  • Debris removal
  • Dock business income
  • Increased cost of construction
  • Ordinance and law
  • Utility service interruption
  • Weight of ice and snow

Protection and Indemnity

  • Borrowed boat
  • Crew (Jones Act)
  • Personal use
  • Personal watercraft
  • Regatta liability
  • Rental boats
  • Sailing school
  • Watersports liability (Towed watersports)
  • Work boats