Overview — Continental Risk / Continental Marine Insurance Services: Boat/Jet Ski Rental Insurance
Continental Risk / Continental Marine Insurance Services offers a targeted Boat/Jet Ski Rental Insurance program designed for agents and brokers placing short-term rental operations, seasonal businesses, and fleet rentals. The program pairs admitted A+ capacity with flexible underwriting from a Managing General Agency and E&S broker platform, giving you access to admitted and non-admitted solutions depending on the account.
Ideal Accounts and Appetite
- Small single-boat or single-jet-ski owners who rent occasionally.
- Commercial rental operators with multiple units or larger fleets.
- Marinas and rental concessions that need premises liability in addition to hull and liability coverages.
- New start-ups and seasonal operators — new operations are welcome and considered.
Typical fits include inland and coastal rental operations that provide transient charter/rental services to licensed customers. Renter trailers are accepted on a submit basis. If you have an account with straightforward operations and standard safety procedures, this program is intended to respond quickly.
Coverage Highlights and Advantages
- Admitted A+ rated carrier access — helps with placement and policyholder credibility.
- 24-hour quote turnaround for most submissions — useful during peak season and for agents who need fast answers.
- Premises liability is available as part of the program to cover slip-and-fall, dock exposures, and on-site operations related to rentals.
- Flexible capacity to place single-unit operations up to larger fleets, with E&S options when standard admitted capacity is limited.
Underwriting Notes and Minimum Premiums
Underwriting considers unit type, horsepower, safety procedures, operator screening, location, and loss history. Renter trailer exposure is reviewed on submission. The program’s minimum premium is $500; larger or higher-exposure accounts will be quoted according to exposure and limits requested. Please include photos, safety policies, and rental agreements with submissions to speed underwriting.
Territories and Availability
This program is available in most states (AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY). Coverage terms and admitted vs. non-admitted availability will vary by state and carrier; Continental Risk will advise on the best placement for each jurisdiction.
When to Submit — Examples
- Example 1: You have a lakeside owner operating two pontoon boats for hourly rentals during the summer. Low loss history, signed rental agreements and safety checks make this a good fit for admitted capacity with a competitive premium.
- Example 2: A jet-ski concession at a busy beach with a fleet of 10 personal watercraft. Fleet pricing and premises liability are available; submit details for a formal quote and to confirm trailer and towing exposures.
Why Work With Continental Risk on Boat/Jet Ski Rental Business
As a Managing General Agency and E&S broker, Continental Risk combines niche marine underwriting knowledge with responsive service—24-hour quote turnaround and access to admitted A+ capacity when available. The program is built to be practical for agents: it accepts new operations, handles single-unit to fleet placements, and offers premises liability to round out rental exposures.
If you would like further information on our boat/jet ski rental insurance program please feel free to contact our office.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Owners who rent boats or jet skis on an occasional or commercial basis, seasonal rental businesses, and larger fleet operations are good fits. The program accepts single-unit operators through large fleets and welcomes new operations.
What is required to get a fast quote?
Provide basic fleet information (unit type, horsepower), location, safety procedures, copies of rental agreements, and loss history. With complete information, Continental Risk aims for a 24-hour quote turnaround on most submissions.
Are renter trailers and towing exposures covered?
Renter trailers are considered on a submit basis. Include trailer details and any towing procedures in the submission so underwriters can evaluate and propose appropriate coverage or endorsements.
Which states is this program available in, and is the coverage admitted?
The program is available in most U.S. states (see the full state list in the program notes). Coverage may be placed on admitted or non-admitted paper depending on the state and carrier availability; Continental Risk will recommend the best placement.
Need help placing an account? Connect with a market specialist.