Boating is a significant investment, and facilities that store or service vessels need insurance that understands their exposures. Colonial General Insurance Agency, Inc. places a specialized On Land Boat Storage Insurance program for commercial storage yards, repair shops, dealerships, and businesses that tow or move boats on land. With access to admitted and non-admitted markets and flexible options, Colonial General helps agents and brokers secure coverages tailored to marine-related, on-land operations.
Ideal Accounts and Appetite
This program fits businesses that handle boats while they are on land, including:
- Commercial boat storage yards and dry-dock facilities
- Boat repair and service shops that offer longer-term or seasonal storage
- Marine dealers with on-premises storage or display lots
- Operators that provide towing and in-transit movement of boats between locations
Boat dealers are acceptable. Accounts that primarily involve waterborne exposures, marina slips, or slip-based operations typically do not fit this program.
Coverage Highlights and Advantages
Colonial General’s On Land Boat Storage Insurance leverages garage and marine-related forms to address the specific risks of caring for customers’ boats. Core features include:
- Garage Liability with limits up to $1,000,000 per accident
- General Liability Aggregate up to $3,000,000
- Medical payments limit of $5,000
- Garage Keepers Coverage on a primary basis for specified causes of loss
- Dealers Physical Damage and False Pretense coverage where applicable
- Broadened coverages and Fire Legal Liability extensions
- In-Transit coverage for towing and transport operations
- Optional commercial property coverage available in many submissions
These elements help mitigate exposures such as fire, theft, damage during transport, and customer property liability while vessels are in your client’s care, custody, or control.
Underwriting Notes and Minimum Premiums
Colonial General places this program with a variety of carriers (admitted and E&S) depending on the risk profile and state. While minimum premium requirements vary by market, the program is structured to accommodate small and mid-sized commercial operations as well as larger storage yards. When you submit, include details on:
- Storage capacity and types of boats handled (sizes, hull types, value ranges)
- Security measures: fencing, lighting, alarms, on-site staff
- Towing and in-transit practices, equipment, and driver qualifications
- Repair services provided and any customer pick-up/drop-off operations
Territories and Availability
This program is available in the Western U.S.: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional underwriting knowledge helps align coverage options with local exposures and regulatory considerations.
Why Work With Colonial General
Colonial General Insurance Agency, Inc. is a managing general agency and E&S broker with specialty experience in garage, dealer, and marine-adjacent programs. Working with Colonial General gives you:
- Access to multiple admitted and non-admitted markets not always available at the retail level
- Underwriting tailored to the nuances of on-land boat storage and towing operations
- Responsive placement support for complex or higher-value accounts
- Regional expertise across the Western states served
Example fits: you might have a repair shop that expanded into winter storage and needs Garage Keepers on a primary basis, or a dealer that transports boats regularly between showrooms and off-site storage—both are well suited to this program.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for commercial boat storage facilities, marine repair shops, and boat dealers with on-premises or in-transit storage operations.
Is water-based storage or marina coverage included?
No. This program is designed for on-land storage and does not cover waterborne or slip-based exposures.
Which states is this program available in?
The On Land Boat Storage Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can this program cover in-transit towing operations?
Yes. In-transit coverage for towing and transport is included, making the program suitable for businesses that move boats between locations.
What information is needed to submit a risk?
Include the number and types of boats stored, security measures, details of any towing operations, and the scope of repair services offered.
Need help placing an account? Connect with a market specialist.