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Comprehensive Boat Repair Insurance Program from Continental Marine Continental Marine Insurance Services, a division of Continental Risk, offers a specialized Boat Repair insurance program designed to protect marine artisans working on small commercial and private pleasure watercraft. This package policy is tailored for businesses performing repairs, installations, and maintenance at marinas, boatyards, or other locations not owned by the insured. With access to multiple admitted markets, Continental Marine delivers flexible coverage options to meet the unique exposures of marine contractors. Ideal Accounts for This Program This program is an excellent fit for small to mid-size marine businesses with annual gross receipts up to $1,000,000. Target classes include: Electronics installation and repair Fiberglass and hull repair Canvas, sails, and upholstery services Engine repairs and mechanical services Boat detailing, including underwater cleaning by divers Custom carpentry and woodworking Marine painting services Whether your client is a mobile repair technician working dockside or a small shop handling fiberglass restoration, this program is structured to address their operational risks. Coverage Highlights and Advantages Continental Marine’s Boat Repair program offers a combined policy package that includes both Shiprepairers Legal Liability and General Liability. Additional coverages available by endorsement include: Bailee Coverage: Protects your client when they are responsible for others’ property while ashore. Protection and Indemnity (P&I): For clients who operate customer vessels during testing or repair. Tools and Equipment: Covers owned gear and tools used in the course of work. Transit: Protects gear and materials while in transit to and from the job site. Policy limits are available up to $1,000,000 single limit, with flexible options based on the type of work performed. This allows brokers to tailor solutions based on the client’s scope of operations and risk profile. Underwriting Notes and Minimum Premiums Premiums are determined by the nature and extent of the services provided, with a minimum premium starting at $1,500. The program is most competitive for businesses focused on repair and light installation work, particularly when operations are performed at third-party marinas or yards. Accounts with heavy manufacturing or commercial vessel work may fall outside the target appetite. States Where This Program Is Available This boat repair insurance program is available in all 50 states and the District of Columbia, including coastal and inland marine regions. Whether your client operates in Florida, California, New York, or any other state, Continental Marine has the market access to help you place the risk. Why Work With Continental Marine Insurance Services? As a wholesale broker with deep marine insurance expertise, Continental Marine Insurance Services brings value through tailored underwriting, market access, and responsive service. Their experience in placing specialty marine artisan risks means you can count on knowledgeable support and fast turnaround for your clients’ coverage needs. Whether you’re placing a one-person mobile repair business or a growing marine service shop, Continental Marine offers a go-to market solution for boat repair risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for marine contractors that service or repair small commercial and private pleasure boats, including operations like electronics repair, detailing, engine service, and painting. Are operations at marinas or third-party yards eligible?Yes, this program is specifically designed for businesses that work at marinas or boatyards not owned by the insured. What is the minimum premium for this program?The minimum premium starts at $1,500, with final pricing based on the type and scope of work performed. Is Protection and Indemnity (P&I) coverage included?P&I coverage is available as an optional endorsement for clients who operate customer vessels during repair or testing. Which states is this program available in?This program is available in all U.S. states and the District of Columbia. Need help placing an account? Connect with a market specialist.

Program Overview from Novatae Risk Group Novatae Risk Group offers a focused USL&H - Marine Workers Comp program to help agents place challenging and specialty marine accounts. Whether your client works on vessels, on piers, or onshore adjacent to navigable waters, this program delivers workers’ compensation solutions tailored to maritime and waterfront exposures. Novatae places business with several top-rated carriers (markets as high as AXV by A.M. Best) and provides access to both admitted and non-admitted markets. Ideal Accounts and Appetite This program is built for businesses that require USL&H coverage — from clean-mod operations to accounts with elevated experience mods or prior lapses. Novatae will consider a wide range of marine and waterfront class codes and is comfortable underwriting risks that don’t fit standard markets. Targeted Industries Include: Boat service and repair contractors Fishermen and fishing tour operators Scuba diving trainers and ski rental operators Marina operators and shipbuilders Bridge builders and painters Dock, pier, and marine construction contractors Offshore oil and platform workers Artisan, Trade, and Service Contractors That May Need USL&H: Electricians, painters, and carpenters working over, from, or adjacent to navigable waters Crane installation and repair crews Engine and refrigeration repair technicians HVAC and sheet metal contractors Wallboard installers and concrete workers operating on marine projects Ship cleaning and passenger vessel operations Program Highlights Multiple carrier options — flexibility to place difficult risks Aggressive pricing strategies when appropriate Broad acceptance of class codes and unique marine exposures First-dollar coverage options available Loss-sensitive and high-deductible plan structures Monthly payroll reporting available Not a PEO — this is a traditional workers' compensation program Underwriting Notes and Minimum Premiums Minimum premiums typically start at $10,000 in most states. Novatae evaluates accounts with elevated X-mods and does not automatically decline risks with prior lapses in coverage. Final terms depend on class mix, payroll, loss history, and project details. Territory and Market Access The USL&H - Marine Workers Comp program is available in most U.S. states, including coastal and inland regions: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Why Work With Novatae Risk Group As a Managing General Underwriter and E&S broker, Novatae combines niche underwriting expertise with market access for marine and USL&H exposures. Their team focuses on practical placement solutions for accounts that are difficult to place in standard markets and works with agents to structure terms that balance coverage and cost. You might bring Novatae a marina with on-site repair operations and mixed class codes, or a contractor performing bridge work over navigable waters — both are the sort of accounts this program targets. Novatae’s flexibility and carrier relationships make it a strong option when traditional markets say no. Frequently Asked Questions What types of accounts are a good fit for this USL&H program?This program suits marine-related businesses such as boat repair contractors, marina operators, offshore oil workers, and artisan contractors who work on or adjacent to navigable waters. Can I submit accounts with a high experience mod or no prior coverage?Yes. Novatae accepts accounts with high X-mods and is open to risks with lapsed or no prior coverage, subject to underwriting review of the total risk profile. Is this a PEO solution?No. This is a traditional workers' compensation program (not a PEO). Policies are issued through admitted and non-admitted carriers with direct coverage for insureds. What is the minimum premium for this program?Minimum premiums generally start at $10,000 in most states. Actual pricing will vary based on class codes, payroll, loss history, and selected coverage options. In which states is the program available?The program is available in most U.S. states, including coastal and inland regions. See the territory list above for specific states. Need help placing an account? Connect with a market specialist.

Overview of the Program Our Marine Builders Risk Insurance program is designed for agents placing coverage for vessels under construction, refit, or undergoing pre-delivery operations. As a Managing General Agency and Excess & Surplus Lines broker, we provide flexible placements for single-vessel projects or ongoing builder operations. The policy can be tailored to cover the hull, materials, equipment and related property from the start of construction through final delivery to the client. Ideal Accounts and Appetite Recreational and commercial vessels of all types, including yachts, workboats, fishing vessels, ferries, and specialty craft New construction projects by boatbuilders and shipyards—single contracts or programmatic builder's portfolios Refits, extensive repairs, and conversions where physical loss or damage exposure during construction or transit is the primary concern Accounts that require Protection & Indemnity cover for sea trials, demonstrations, and delivery movements We typically write risks with substantial values—policy limits start at $5,000,000 and up. The program can accommodate complex hull values and multi-year builder operations when underwriting information is complete. Coverage Highlights and Advantages Builders Risk Clauses that cover materials, equipment, and the vessel during construction, dockside storage, and while afloat where specified Protection & Indemnity coverage available for sea trials, demonstration runs, and delivery transits when required by the builder or purchaser Flexible placement options through admitted and non-admitted markets to match client needs and state requirements Access to multiple carriers (varies by submission) through our E&S relationships—enabling coverage for hard-to-place exposures Claims handling and loss control guidance geared to marine construction exposures Underwriting Notes and Minimum Premiums To quote effectively, provide complete construction specifications, hull plans, builder’s risk values, intended launch and delivery dates, description of sea trials or transit exposures, and information on yard operations and subcontractors. The program generally requires high-quality loss history and detailed schedule of values for complex or high-limit placements. Minimum premium: $25,000. Final premium and terms depend on vessel value, scope of work, transit exposures, and the selected carrier appetite. Appetite Restrictions (Typical) Preferred: professional yards and builders with documented procedures, experienced crews, and formal risk controls May be declined or require special terms for speculative construction without detailed plans, certain military contracts, or vessels expected to operate in high-risk war/piracy zones unless specifically negotiated High-hazard operations (e.g., heavy excavation adjacent to hull, unapproved design changes, or undocumented subcontractor work) will require tailored underwriting and may increase pricing or exclusions Territories and Availability Available across a broad footprint: 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, WY. We place business in both admitted and non-admitted markets as required—please advise your preferred placement and any state-specific compliance needs when submitting. Why Work With Us on Marine Builders Risk Specialized marine underwriting and E&S distribution that understands vessel construction and delivery exposures Flexible solutions for single-project risks or ongoing builder portfolios Access to varying carriers and terms—we can often place difficult or high-limit accounts other markets avoid Responsive submission intake and underwriting guidance to shorten quote cycles Please contact us today for more information on our Marine Builders Risk program! Frequently Asked Questions What types of accounts are a good fit for this Marine Builders Risk program?The program is best for boatyards, shipbuilders and owners building or refitting recreational and commercial vessels who need coverage for hull, materials and related property during construction, sea trials, and delivery. We write single-vessel contracts and builder’s ongoing operations with sufficient underwriting detail. Does the policy include Protection & Indemnity for sea trials and delivery?Yes. Protection & Indemnity for sea trials, demonstrations and delivery movements can be included when requested. Provide details about the planned trial area, crew, pilotage and route so the underwriter can evaluate transit liability exposures. What minimum documentation is required with a submission?At minimum, provide a schedule of values or estimated hull value, construction timeline, scope of work, location of building/launch, loss history, and details on subcontractors and yard controls. More complex or high-limit risks will require plans and additional technical data. What is the minimum premium and how are limits handled?The program’s minimum premium is $25,000. Policy limits typically start at $5,000,000 and are adjusted to match the vessel value and project exposure. Final premium is determined by vessel type, value, transit exposure, and carrier selection. Are you able to place risks in admitted markets?Yes. We work with admitted and non-admitted carriers across multiple markets. Tell us the preferred jurisdiction and any admitted requirement up front so we can target the appropriate carrier options. Need help placing an account? Connect with a market specialist.