Insurance for the docks, not just the boats.
A marina isn't one business — it's twelve stacked on top of each other. Slip rentals, fuel sales, dry storage, contractor access, guest services, environmental compliance, employee safety, and third-party vessels sitting in your care. Each one carries its own exposure. We build one programme that covers them all — without gaps where they overlap.
Every yacht in your slip is somebody else's asset — and their insurer's subrogation target the moment something happens. One dropped mast during a haul-out can trigger a seven-figure claim and a reputational hit that lingers for seasons.
Fuel doesn't care about your safety protocols. A single ruptured hose or a distracted attendant can turn a routine refuel into a coastguard incident, a state fine, and a MOLL deductible in the same afternoon.
Peak season is where marinas make their money — and where they lose it. High traffic multiplies collisions, electrical fires, dock incidents, and burnout-driven mistakes. Your cover has to hold at 110% capacity, not just when the marina is calm.
Harbour authorities and environmental agencies are increasingly demanding evidence of adequate cover before renewing operating licences. Fall short and your operating permission is what's at stake — not just the claim.
The core cover. Protects against damage claims tied to slip rentals, dry rack storage, incidental repairs, haul-outs, launches, and fuel dock operations. Structured around your actual operating agreements — right down to the slip contract language.
Clean-up costs, containment operations, statutory fines, and third-party damages from accidental discharges or hazardous runoff. Includes defence cover for regulatory investigations — often the biggest exposure of all.
Floating docks, fixed piers, fuel dock equipment, electrical systems, boat lifts, gantries, workshops, chandlery inventory, and office facilities. Named perils plus hurricane and storm surge where the geography demands it.
Revenue protection when a covered loss forces partial or full operational shutdown during peak season. Structured against your actual seasonal revenue curve — not annualised averages that leave you short.
We build programmes that meet or exceed evidence-of-insurance requirements written into your operating licences and lease agreements. When you expand a dock, add a fuel service, or acquire an adjacent yard, the programme extends without renegotiation. When the harbour master asks for a certificate at 4pm on a Friday, you have one by 4:15.
The audit SRMG produced identified three material coverage gaps my board didn't know existed. Fixing them cost us less than the premium reduction they negotiated at the same renewal. My risk committee now uses it as the reference standard for how these placements should be structured.
Complimentary review of your current cover, gaps identified, restructuring recommendations. No obligation.
