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Insurance Necessities for Marinas


Running successful marinas involves far more than just providing clients with a safe place to store their boats when they’re not out on the water. You need to treat the operation like the business it is. This means choosing the right OC Marina insurance for your operation. If you’ve never given much thought to your marina’s insurance coverage, now is the perfect time to learn more about this unique type of insurance.

What is OC Marina Insurance?

Marina insurance is a type of insurance policy that’s designed to protect marinas from liability and property damage and reduces the risk of high out-of-pocket expenses due to hazards common in the industry. Without the policy in place, you’d have to pay for the full cost of any repairs, lawsuits or damages completely on your own.

What to Look for in a Policy

When you’re looking for marina insurance, you need to think about the types of risk your business faces. This means asking yourself questions like, “what insurance do I need for a boat storage facility?” and “what risks does my business face that standard insurance coverage doesn’t protect against?” If you’re not sure where to start, speak with your OC marina insurance agent. They’ll be able to discuss the different types of marina insurance programs and can help you find the right coverage for your unique needs.

What Types of Coverage You Should Consider

Ultimately, every marina is different and the risks you face will be unique to your location and the types of clients you serve. However, most marinas can benefit from the following types of policies:

  • Commercial auto insurance
  • Owned boats coverage
  • Rental boat coverage
  • Flood insurance
  • Business interruption insurance
  • General liability insurance
  • Property insurance

These are just a few of the types of coverage you’ll want to invest in to better protect your operation. Without them, you risk having gaps in coverage and increasing the risk of spending your business’s savings on repairs or settlements.

What to Look for in an Insurance Provider

The type of coverage you have in place is only as good as the marina insurance provider you partner with. You’ll want to work with an insurance company that understands and specializes in helping marinas and boat owners protect their investment. These insurance companies understand the challenges you face as a marina owner and will be better equipped to assess your needs and make changes as your business grows.

Marina insurance is one of the best ways to protect your growing marina and help your business thrive. Now that you better understand what the coverage is and how it protects your business, you’re ready to invest in the right policy for your operation. Take the time you need to evaluate your marina’s needs and choose an insurance policy that covers you completely.

About Mariners Insurance 

Mariners General Insurance Group was founded in 1959 to protect boat owners and marine business clients. We are marine insurance experts and insure boats worldwide – in every ocean on the planet. Marine insurance is critical if you own a boat or nautical business. Trust the professionals with all of your Boat Insurance needs – trust Mariners Insurance. Call us at (888) 402-5018 any time you have questions or concerns about insurance for your vessel or marine business.