Yacht & Mega Yacht Insurance

A yacht is a floating home, a business asset and often a workplace for a professional crew. Insuring one well takes marine underwriters who handle high-value hulls every day. Stacks Insurance Brokerage works with specialty yacht markets to build coverage for motor yachts, sailing yachts and mega yachts based in South Florida and cruising well beyond it.

What a yacht policy can include

• Agreed-value hull & machinery with deductibles matched to your vessel
• Protection & indemnity (P&I) liability, including high limits for larger vessels
• Crew coverage: liability for crew injuries, including Jones Act and maritime employer exposures
• Tenders & toys: tenders, jet skis and water toys carried aboard
• Personal effects of the owner, guests and crew
• Pollution, salvage & wreck removal
• Named-storm coverage tied to a written hurricane plan
• Charter endorsements for vessels offered for charter

Navigation that matches how you cruise

Whether your yacht stays between Palm Beach and the Keys, spends winters in the Bahamas or heads to the Caribbean and Mediterranean, we will match the policy navigation limits and seasonal restrictions to your actual itinerary, so you are not paying for waters you never visit or uninsured where you do.

Why work with a broker for yacht insurance

Yacht insurance is not one-size-fits-all. Hull values, crew arrangements, charter use and storm plans all change what coverage you need and which markets want the risk. We compare carriers, explain the differences in plain language and stay involved when you have a claim.

Get a yacht insurance quote

Tell us about your vessel and how you use it, and we will compare options from specialty marine carriers. Prefer to talk it through? Call us at (754) 212-4459.