Personal Vessel Insurance Program from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a flexible Personal Vessel Insurance program for a wide range of recreational watercraft. Built for brokers and agents who place marine risks, the program can handle everything from small fishing boats and pontoons to personal watercraft and higher-value yachts. Coverage is designed to be configurable so you can tailor protection to each client’s use and value.
Ideal Accounts and Vessel Types
The program fits many personal-use vessels and owner profiles. Typical accounts include:
- Bass and fishing boats
- Pontoon boats for seasonal lake use
- Older or classic boats
- Personal watercraft (jet skis)
- Luxury and pleasure yachts
Example scenarios: a client who bought a used pontoon for family lake outings, or a household with multiple jet skis needing combined liability and physical damage coverage — both are well within this program’s scope.
Coverage Highlights and Advantages
Continental Risk provides all-risk, agreed-value protection with multiple settlement and enhancement options so you can match coverages to the insured’s needs. Options include:
- Agreed value settlements
- Replacement cost loss settlement
- Actual cash value endorsements
- Liability protection
- Medical payments
- Uninsured boat coverage
- Longshore and harbor workers compensation
- Personal property and fishing equipment coverage
- Towing and emergency assistance
- Broadening endorsements available
These options let you build a policy that reflects the client’s boating habits, equipment, and tolerance for risk.
Underwriting Notes and Minimum Premiums
Quotes are generally returned within 24 hours after submission of a fully completed application. There is no set minimum premium, giving flexibility for both lower-value and high-value accounts.
The underwriting appetite covers a broad range of personal vessels, including older and modified boats. All submissions are reviewed by the carrier, and some high-risk uses or commercial operations may be outside the program’s scope.
Territories and Market Access
The program is available across most U.S. states, including coastal and inland regions. States served include 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, and WY.
Most markets are available on an admitted basis depending on the risk and location.
Why Work With Continental Risk / Continental Marine Insurance Services?
As a wholesale broker specializing in marine exposures, Continental Risk combines market access with responsive underwriting and fast turnaround. Their underwriters understand recreational marine needs and can help structure coverages and endorsements to place business efficiently.
Whether you are placing a single personal watercraft or a higher-value yacht, Continental Risk offers the flexibility and service to support your placement and service needs.
With a fully completed application, we can quote within 24 hours. For more information about our Personal Vessel Insurance program, please contact our office.