Insurance Coverage for Your Boat Yard
Commercial protection built around how a working yard actually operates — on the hard, in the racks, and over the water.
Get Your Free QuoteCoverage Options
Choose the coverage that fits your riding style and needs. Mix and match options for complete protection.
- Slip-and-fall on docks, ramps, and hardstand
- Injury to customers and visiting vessel owners
- Damage to neighbouring property
- Products and completed operations
- Legal defence costs
- Additional insured for marina landlords
- Vessels hauled, blocked, or on the hard
- Boats in wet slips and dry stack racks
- Damage during launch and haul-out
- Travelift and forklift handling incidents
- Sinking or fire while in your custody
- Limits set to your peak-season hull values
- Damage caused during repair or refit
- Engine, drive, and running-gear work
- Fiberglass, gelcoat, and hull repair
- Electrical and systems installation
- Rework and consequential damage
- Sea-trial exposure
- Shop, office, and storage buildings
- Travelift, forklifts, and yard equipment
- Docks, piers, seawalls, and railways
- Tools, parts, and shop inventory
- Named-storm and flood options
- Business income while you rebuild
- State workers compensation
- Longshore & Harbor Workers (USL&H) endorsement
- Maritime Employers Liability where needed
- Injuries over water and on floating docks
- Yard, shop, and travelift crews
- Return-to-work and claims support
- Fuel and oil spill during fueling or service
- Bilge discharge and pump-out incidents
- Bottom paint, solvent, and blasting residue
- Emergency containment and cleanup costs
- Third-party pollution claims
- Regulatory defence expense
Types of Marine Businesses We Insure
We provide specialized coverage for all types of boat yards and marine facilities.
Full-Service Boat Yard
Complete marina with haul-out, storage, and repair
Storage, repair, painting, mechanical
Marine Repair Facility
Specialized boat and yacht repair services
Engine, fiberglass, electrical work
Dry Stack Storage
Indoor and outdoor boat storage facilities
Forklift operations, rack systems
Marina Operations
Slip rentals and waterfront services
Dockage, fuel, pump-out services
Have a different type of marine facility? We likely cover it too. Contact us to discuss your needs.
Frequently Asked Questions
Common questions about boat yard and marina coverage.
Does general liability cover damage to a customer's boat?
No, and this is the gap that catches most yards. General liability excludes property in your care, custody, and control — which is precisely what a customer's vessel is once it is on your hardstand or in your rack. That exposure sits under marina operators legal liability, written as a separate limit.
What is USL&H, and does my yard need it?
The Longshore and Harbor Workers' Compensation Act is a federal scheme covering maritime employment on or adjacent to navigable water. A yard worker injured on a floating dock or alongside a hauled vessel can fall under USL&H rather than state workers compensation, and a state-only policy will not respond. Most boat yards need the endorsement.
How should I set my care, custody, and control limit?
To your peak exposure, not your average. Set the limit against the total hull value on your property at the busiest point of the season — typically haul-out or winter layup — because that is when a single fire or storm can reach the most boats at once.
Are we covered when a boat we serviced fails after it leaves?
That is ship repairers legal liability and products-completed operations, not the in-custody coverage. It responds to damage traced to your workmanship after the vessel is back with its owner, including sea trials.
What do you need to quote a boat yard?
Annual receipts split by operation (storage, repair, dockage, fuel), peak hull values on site, number of employees and whether any work over water, your lift and rack capacity, and details of any docks or seawalls you own. Most quotes come together in a single conversation.
Have more questions? We're happy to help.
Contact UsGet Your Custom Quote
No two yards carry the same mix of storage, repair, and dockage. Let us build the coverage around your actual operations.