Comprehensive Yacht Club Insurance from Continental Marine
Continental Risk / Continental Marine Insurance Services offers a dedicated Yacht Club insurance package designed for the operational, liability, and property risks yacht clubs face. The program supports clubs that run sailing programs, regattas, instruction, and marina operations. With access to A-rated carriers and placements in both admitted and non-admitted markets, Continental Marine delivers flexible coverage guided by marine-focused underwriting.
Ideal Accounts and Appetite
This program is a good fit for:
- Yacht clubs with active sailing programs and regattas
- Clubs that own, borrow, charter, loan, or rent boats
- Facilities with docks, marinas, piers, and boating instruction
- Operations that rely on paid staff and/or volunteer crew
- Clubs that serve or sell alcohol and need Liquor Liability
Continental Marine can handle a wide range of club sizes and structures, including nonprofit clubs, member-led boards, and those with salaried management.
Coverage Highlights and Advantages
The Yacht Club package combines broad liability and property protections tailored to waterfront exposures:
- General Liability: Includes club members, volunteers, and directors & officers as additional insureds where appropriate
- Event Liability: Coverage for regattas, races, and instructional events
- Protection & Indemnity (P&I): For club-owned, borrowed, loaned, or chartered vessels
- Crew Coverage: Included for crew working aboard vessels used by the club
- Marina Operator’s Legal Liability: Third-party boat exposure (including member-owned craft)
- Pollution Liability: Limited cleanup and third-party property damage coverage
- Property: “All-risk” coverage for buildings, docks, piers, wharves, and equipment
- Replacement Cost Options: Available for structures and equipment
- Business Income & Extra Expense: Helps clubs recover income after a covered loss
- Physical Damage: Coverage for boats owned, borrowed, or chartered by the club
- Liquor Liability: Available when alcohol is sold or served on premises
Underwriting Notes and Minimum Premiums
Underwritten through A-rated carriers, the program starts with minimum premiums of $1,500. Quotes are customized based on the club’s operations, size, marina exposure, number and type of boats, event frequency, and prior loss history. Complete, detailed submissions receive faster turnarounds.
Territories and Availability
Available nationwide to agents and brokers in all 50 states plus Washington, DC. Whether a client is on the coast, the Great Lakes, or inland waterways, Continental Marine can quote yacht club exposures across the listed territories.
Why Work With Continental Marine Insurance Services?
Continental Marine is a general agency and E&S broker with deep experience in marine and waterfront risks. Their underwriting team understands the operational nuances of yacht clubs and provides responsive service through placement and policy servicing. Access to top-rated markets and flexibility to write admitted or non-admitted placements makes them a practical partner for agents placing complex waterfront accounts.
Visit the Continental Marine company profile to review other programs, or learn more about the Yacht Clubs program here.
Frequently Asked Questions
What types of yacht clubs are eligible for this program?
Yacht clubs with sailing regattas, instructional programs, marina operations, or a mix of those activities are eligible. Both nonprofit and for-profit clubs can be considered.
Does the policy include coverage for club-owned and borrowed boats?
Yes. The package includes Protection & Indemnity and optional physical damage coverage for boats owned, borrowed, loaned to, or chartered by the club.
Is crew coverage included in the policy?
Yes. Crew coverage is provided for vessels used in regular club operations; underwriting will review crew roles and experience.
Can this program cover clubs that serve alcohol?
Yes. Liquor Liability can be added when the club sells or serves alcoholic beverages on premises or at events.
How quickly can I get a quote for my client?
Turnaround depends on account complexity and the completeness of the submission. Providing details on boats, events, docks, staff/volunteers, and loss history helps speed up the process.
Need help placing an account? Connect with a market specialist.