Ideal Accounts and Appetite
MPG is positioned to help agents place a broad range of personal and recreational marine risks. Our underwriting team evaluates each submission on its merits and has authority to consider a wide variety of vessel types and uses. Typical accounts include:
- Boats and yachts of all sizes and values, from trailerables to mega yachts
- Luxury and mega yachts used for coastal or bluewater cruising
- Live-aboard vessels and extended-cruise exposures
- High-performance boats, sportfish, and racing sailboats
- “Mature” or older vessels that need tailored valuation and coverage
- Personal watercraft (PWC) and tenders
Examples you might place through MPG: a client with an older but well-maintained 30-foot sailboat who needs agreed-value protection and specialized liability limits; or an owner of an 80-foot motor yacht preparing for seasonal cruising who requires hull, liability, and crew coverage coordinated across regions. If a risk has unique equipment, high performance modifications, or live-aboard exposures, notify underwriting early so MPG can structure appropriate terms.
Coverage Highlights and Advantages
MPG Recreational Marine Watercraft Insurance is built to give agents practical advantages when placing marine business:
- Direct access to experienced, in-house underwriters with hands-on marine trades experience
- Policies and endorsements issued directly by MPG with broad forms and flexible limits
- Capacity to underwrite small craft up to multi-million-dollar yachts
- Access to programs supported by A.M. Best “A” rated carriers
- Dedicated in-house claims handling to speed resolutions and communication
- Loss prevention resources and industry-specific tools for risk mitigation
- Instant online access to quotes, endorsements, commission reports, and reprints
- Direct or agency billing options and competitive commission schedules
Underwriting Notes and Minimum Premiums
MPG reviews submissions individually, giving underwriters flexibility to address unique hull values, custom equipment, and non-standard usage. Minimum premiums and program terms depend on vessel type, length, value, and intended use; consult MPG underwriting for specific minimums and structure. Be prepared to provide valuation documentation, current maintenance history, survey reports (when available), and details about navigation limits and crew.
Territories and Availability
This program is available nationwide — all 50 states and Washington, DC — so you can place accounts across coastal and inland exposures. MPG underwriters understand regional differences in boating exposures, from Gulf and Atlantic cruising to Great Lakes and Pacific operations.
Why Work With Maritime Program Group?
As a managing general agency and carrier partner focused exclusively on marine risks, Maritime Program Group combines technical underwriting, dedicated claims support, and streamlined digital access. Agents benefit from fast, practical responses, flexible solutions for difficult risks, and longstanding carrier relationships. MPG’s team emphasizes clear communication and proactive placement strategies to help you win and retain business.
Need help placing an account? Call Maritime at (800) 366-8086 for assistance with quotes, submissions, or program questions about Recreational Marine Watercraft Insurance.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program fits personal-use and recreational boats and yachts across a wide spectrum — from PWCs and trailerable boats to luxury and mega yachts, including live-aboards and high-performance craft.
Can I access underwriting directly?
Yes. Agents and brokers work directly with MPG’s in-house underwriters, who can evaluate complex exposures and help tailor coverage quickly.
Is this program available nationwide?
Yes — MPG’s Recreational Marine Watercraft program is available in all 50 states and Washington, DC.
What carriers support this program?
MPG places business with a panel of carriers, including programs backed by A.M. Best “A” rated insurers. Contact underwriting for carrier specifics by account.
Are older or “mature” vessels eligible?
Yes. Older vessels are considered on a case-by-case basis; MPG can often provide coverage if you supply condition, maintenance, and valuation details.
Need help placing an account? Connect with a market specialist.