Charter & Commercial Marine Insurance

Protect Your Business Where Water Meets Commerce

If your business depends on the water — marinas, boat dealers, marine contractors, charter operations, or other marine‐related ventures — you face unique risks. From storms and liability exposure to specialized equipment loss, one misstep could cost much more than you think. Commercial Marine Insurance through Stacks Insurance Brokerage gives you coverage built for those risks — not a patched‑on add‑on.

Why You Need Commercial Marine Coverage

Complex risks
You’re not just insuring a boat. Your exposures include inventory, docks, slips, vessel operations, client safety, environmental responsibility, and more.

Regulatory and legal liabilities
Certain operations must comply with marine laws, environmental ordinances, and liability rules. If someone is harmed or property is damaged, you want cover.

High‑value assets
Boats, trailers, equipment, inventory — all are costly to repair or replace.

Business continuity
A shutdown due to damage or claim could freeze income and harm your reputation. Having solid protection keeps your business afloat — literally and figuratively.

What Commercial Marine Insurance Covers

We tailor every policy to your specific operation, but here are the common coverages most commercial marine businesses need:

Physical Damage / Hull & Vessel Coverage
Protects boats, vessels under your control, motors, and attached equipment — possibly even docks, slips, and barges.

Property / Stock & Inventory
Covers marine inventory: boats for sale, parts, tools, tackle, and other gear.

Liability & General Liability
Covers bodily injury or property damage to others — including clients, third-party boats, and pollution incidents.

Marine Contractor / Artisan Coverage
Ideal for businesses involved in boat repair, canvas work, sail making, and marine welding — includes liability, tools, and transit coverage.

Charter / Commercial Use Liability
Protection for operations that rent or charter boats, covering passengers, crew, and vessel-related damage.

Uninsured/Underinsured Watercraft Liability
Covers your losses if you’re hit by a vessel without proper insurance.

Environmental / Pollution Cleanup
Helps pay for fuel spills, oil leaks, or required cleanup after a wreck — including regulatory compliance.

Inland Marine / Transit Coverage
Protects marine equipment and vessels while being transported over land or in storage.

Business Interruption / Loss of Income
Covers lost income during a covered shutdown or operational interruption.

Equipment Breakdown / Unattached Equipment
Coverage for movable items like tools, life vests, electronics, anchors, and rafts.

What Makes Stacks Different

Specialized marine carriers
We work with insurers who truly understand commercial marine risks. That means smarter coverage and fairer pricing.

Tailored policies
No cookie-cutter coverage here. We evaluate your operations, location, vessel use, and more to custom‑build your policy.

Risk management support
We go beyond just selling insurance. We’ll flag gaps, suggest improvements, and help you avoid claims in the first place.

Responsive claims service
When something goes wrong, you won’t deal with it alone. We’re your advocate every step of the way.

Clear, honest guidance
We break down your coverage so you know exactly what’s included and what’s not. No guesswork, no jargon.

Common Questions We Hear

How far does liability reach?
That depends on your operations. We’ll review your activities and make sure you’re protected both on and off the water.

Do I need pollution coverage?
If you use fuel, solvents, or chemicals near the water — yes. One spill can cost tens of thousands, even with minor damage.

Does this cover hurricane damage?
Yes, but only if it’s included in your policy. We’ll help you get the right windstorm and storm surge coverage for your location.

How much does it cost?
Premiums vary based on vessel type, business size, location, loss history, and safety measures. We shop multiple carriers to get you the best value.

Is Commercial Marine Insurance Right for You?

You should absolutely consider this coverage if:

• You own or operate a marina, shipyard, or boat dealership
• You rent or charter vessels for commercial use
• You run a marine construction or contractor business
• You store, sell, or transport marine inventory
• You operate in coastal or high-risk zones

Charter Operators & Yacht Management Companies

Charter and yacht management businesses carry exposures that a private owner never sees: paying passengers, professional crews and responsibility for vessels you manage but do not own. We place coverage with marine markets that write these operations every day.

• Charter operators: passenger liability, crew coverage, hull coverage for chartered vessels and charter endorsements for owner-operated yachts
• Yacht management companies: professional and ship repairer’s liability, care, custody and control coverage for managed vessels, and crew placement exposures
• Marinas & boatyards: marina operators liability, docks, fuel docks, dry stack storage and haul-out operations
• Boat dealers & brokers: inventory on water and on land, demonstration rides and floor plan coverage

Let’s Get Started

1. Talk to us. Tell us what your marine business looks like — the vessels, the people, the locations, the risks.

2. We’ll assess your exposure. We’ll dig into operations, claims history, and future growth plans.

3. Get tailored quotes. We compare top marine insurers and bring you the best options.

4. Select your package. Choose the limits and endorsements that match your needs and budget.

5. Stay supported. We’ll keep your policy updated as your business grows, shifts, or expands.

Call us at (754) 212-4459 or start online.