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J.M. Wilson Corp.
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J.M. Wilson Corp.
Contact Us
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Commercial Watercraft Insurance

Commercial Watercraft Insurance Program from J.M. Wilson

If you’re working with clients who own or operate watercraft for business purposes, J.M. Wilson offers a flexible and comprehensive Commercial Watercraft Insurance solution. As a General Agency and Excess & Surplus Lines Broker, we provide access to a broad range of admitted and non-admitted markets to help you place even the most challenging marine risks. Whether your client operates a single fishing boat or a fleet of high-speed vessels, we have the tools and carrier relationships to support you.

Ideal Classes and Account Types
  • Runabouts and Fishing Vessels
  • Cruisers, Houseboats, and Sailboats
  • Pontoon / Tritoon and Inflatable Watercraft
  • PWC and High-Performance Vee & Catamarans
  • Hovercraft and Airboats
  • Homemade, Kit-built, and Mini Sport Boats
  • Storage and Transit Risks – Salvage/Repair
  • Seasoned Yachts and Commercial Marine Units
  • Rental Units and Operations

You might have a client who rents out pontoon boats during the summer season or operates a high-speed charter service—J.M. Wilson can help you find coverage options for both.

Coverage Features and Highlights
  • Coverage available for watercraft with speeds up to 120 mph
  • Three settlement options available (based on risk)
  • Coverage available for high-risk operations
  • Diminishing Deductible for risks with speeds = 65 mph
  • Broad navigational territory
  • No layup restrictions for seasonal use
  • Optional coverage for primary fishing equipment and boat lifts
Note: Not all features are available for every risk. Underwriting review applies.

Discount Opportunities
  • Multi-unit policies
  • Operator experience
  • Use of safety equipment
  • Diesel fuel eligibility
  • Outboard propulsion systems
  • Primary operators age 40 and older


Territory and Availability
This program is available in the following states: AL, AZ, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Both admitted and non-admitted options are accessible depending on the risk and market availability.

Why Work with J.M. Wilson?
With decades of experience in the E&S and general agency space, J.M. Wilson brings specialized marine underwriting knowledge to help you navigate complex accounts. Our strong carrier relationships allow us to provide competitive options—even for high-speed or non-standard risks. From submission to binding, our team is here to support your success in placing commercial watercraft exposures.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for commercial clients who own or operate watercraft such as fishing boats, rental pontoons, high-speed vessels, and small charter operations.

Can you write high-performance or high-speed watercraft?

Yes, coverage is available for watercraft that operate at speeds up to 120 mph, with specific underwriting guidelines.

Are rental operations eligible?

Yes, rental units and operations are eligible under this program, subject to underwriting approval.

Is this program admitted or non-admitted?

We offer both admitted and non-admitted options, depending on the risk and jurisdiction.

In which states is this program available?

We currently offer this program in AL, AZ, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    General Agency and Excess & Surplus Lines Broker
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A rated or better
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

8036 Moorsbridge Road
Portage, MI 49024
800-666-5692
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AGENCY LICENSING

To become an appointed agent with J.M. Wilson, the agency profile linked below is required. There is no premium volume requirement.
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J.M. Wilson Corp. has other insurance programs like Alarm Installation and Repair Insurance.