Boat Dealer Insurance Program from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a Boat Dealer Insurance program built for marine dealers who sell, service, store, or transport boats, motors, and related equipment. Combining Ocean Marine expertise with Property & Casualty capabilities, Continental Risk packages dealer-specific protections into a streamlined portfolio so independent agents and brokers can place accounts with confidence.
Ideal Accounts and Appetite
This program is a fit for a broad range of marine dealers, including:
Boat dealers with new and/or used inventory
Dealerships that provide sales, repair, maintenance, or demonstration services
Operations that transport boats for shows, deliveries, or customer locations
Appetite ranges from small independent dealers to larger multi-location marine retailers. The program is designed to handle typical dealer exposures such as inventory while held for sale, boats in transit, on exhibition, or used for on-water demonstrations and test rides. Accounts that regularly move boats across state lines or that provide afloat demonstrations are eligible, subject to underwriting review. Risks with unusual sporting charters, high-hazard modifications, or significant uninsured operations should be discussed with underwriting prior to submission.
Coverage Highlights and Advantages
Physical protection for boats, outboard/inboard motors, and accessories held for sale
Coverage for boats while in transit, on exhibition, or being demonstrated — including while afloat
Liability coverage for loss of life, bodily injury, and third-party property damage
Legal defense, court costs, and wreck removal where required by law
Optional or bundled coverages: Property, General Liability, Business Auto, Equipment, Work Boats, Excess/Bumbershoot liability, Jones Act exposure, and Marine Workers’ Compensation in select states
This program’s integration of Ocean Marine and P&C lines helps reduce gaps that can occur when those exposures are placed separately. That makes it easier for you to present a coordinated package to your dealer clients.
Underwriting Notes and Minimum Premiums
Continental Risk underwrites accounts on a case-by-case basis. Submissions should include a detailed description of business operations, locations, inventory values, transportation practices, exposure to on-water demonstrations, and loss history. The program’s minimum premium starts at $1,500; final pricing depends on underwriting, limits, deductibles, and the specific mix of coverages requested.
Typical factors that affect acceptability and pricing:
Value and type of inventory (new vs. used, high-value specialty craft)
Amount and frequency of on-water demonstrations or test rides
Transport methods and distance (local deliveries vs. interstate movement)
Garage/repair operations and customer slip or dock exposures
Territories and Availability
The Boat Dealer Insurance program is available in most U.S. states, including 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. Admitted placements are available in most states; Continental Risk can also place non-admitted coverage where appropriate through multiple carrier options.
Why Work With Continental Risk / Continental Marine Insurance Services
As a wholesale broker focused on marine exposures, Continental Risk brings specialized underwriting knowledge and access to multiple carriers that understand dealer operations. Their combined Ocean Marine and P&C capabilities let you present coordinated solutions that address afloat, transit, inventory, and liability risks in one package. That reduces placement complexity and helps protect your clients from coverage gaps.
Example scenarios that fit this program:
You have a dealership that offers on-water test rides and transports demo boats to shows — this program covers demonstrations, transit, and showroom inventory in a single submission.
You represent a multi-location dealer with repair operations and customer slip exposures — Continental Risk can bundle Property, General Liability, Business Auto, and marine-specific protections to match the account.
If you need more information or want to submit a risk, contact Jeana at
[email protected] or call 866-699-27477.
Visit: www.continentalmarineins.com
Frequently Asked Questions
What types of accounts are a good fit for this Boat Dealer Insurance program?Ideal accounts include marine dealerships that sell, service, or transport boats, motors, and accessories—especially those involved in demonstrations, exhibitions, or on-water test rides.
Is coverage available for boats in transit or being demonstrated?Yes. The program extends coverage to boats while in transit, on exhibition, or being used for demonstration purposes, including while afloat.
Can I bundle other coverages with the Boat Dealer Insurance?Yes. The program offers a complete package that may include Property, General Liability, Business Auto, Equipment, Work Boats, Bumbershoot, and Marine Workers' Compensation (in select states).
What is the minimum premium for this program?The minimum premium starts at $1,500, with final pricing subject to underwriting and the specific limits and coverages requested.
Which states is this program available in?The program is available in most U.S. states, including CA, FL, TX, NY, and many others. Admitted status applies in most available states.
Need help placing an account? Connect with a market specialist.