Overview — Marine Artisan Contractors Insurance from Maritime Program Group
Maritime Program Group (MPG) offers a tailored Marine Artisan Contractors Insurance (MAC) program designed for contractors who provide specialized services to pleasure and commercial yachts. The program is written for small artisan shops and independent tradespeople with annual revenues generally up to $250,000 and combines Marina Operators Legal Liability with General Liability into a single, scalable package. Additional coverages and endorsements are available to round out protection for your insureds.
MPG Advantages:
- Work and negotiate directly with in-house underwriters who bring hands-on trades experience
- Policies and endorsements are issued directly by MPG for faster turnaround
- Responsive service with proactive communications and timely quoting
- Flexible billing options: direct or agency billing
- Competitive commission schedules and stable carrier relationships (Various carriers)
- Dedicated in-house claims unit focused on marine trade exposures
- Industry-specific loss prevention tools and resources for insureds
Ideal Accounts and Appetite
This program is aimed at independent marine trades and small contractors who work on boats and yachts, including but not limited to:
- Marine carpenters, joiners, and woodworkers
- Marine electricians and electronics installers
- Fiberglass technicians and hull repair shops
- Engine mechanics who perform in-board/outboard repairs
- Detailers, canvas workers, and riggers performing installation or maintenance
Typical fits: single-location operations, on-site repairs at marinas or owner vessels, and businesses with controlled subcontractor use. Accounts with gross annual receipts generally up to $250,000 are the primary target.
Coverage Highlights and Advantages
- Combined package consolidating Marina Operators Legal Liability with General Liability
- Separate limits for General Liability and Marina Operators Legal Liability
- Defense costs outside the limit of liability to preserve limits for indemnity
- Low minimum premiums to accommodate smaller artisan operators
- Optional coverages and endorsements available to address property, inland marine, hired/non-owned auto, and on-water exposures
Underwriting Notes and Minimum Premiums
MPG’s underwriters emphasize practical trades experience — they understand shop workflows and marine repair exposures. Underwriting considers revenue, work locations (shop vs. on-vessel), use of subcontractors, tools/equipment values, and prior loss history. Minimum premium requirements vary by state and risk characteristics; refer to MPG underwriting for exact minimums and program-specific qualifiers.
Territories and Availability
Available through Maritime Program Group (Managing General Agency) in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Admitted status: All Available States. Carriers: Various (market placement depends on state and submission details).
Why Work With Maritime Program Group on MAC Accounts
MPG offers specialist underwriting, direct policy issuance, and an in-house claims team with marine experience — all designed to simplify placement for agents and protect artisan contractors who work on vessels. The program’s flexibility, combined coverages, and loss control resources make it a practical option when you need a market that understands marine trades.
Example scenarios you might place here:
- You have a client who runs a one-person fiberglass repair shop doing on-boat and in-shop work with annual receipts around $120,000 — MAC can combine marina liability and GL while offering endorsements for tools and equipment.
- A small mobile marine electrician who performs installations at marina slips and occasional on-water troubleshooting — the program can address marina operations exposure and provide defense-outside limits protection.
For questions, submissions, or to bind coverage, contact Maritime Program Group at (800) 366-8086.
Frequently Asked Questions
What types of artisan contractors are a good fit for this program?
The program targets small marine trades such as carpenters, fiberglass technicians, marine electricians, engine mechanics, canvas workers, and detailers — generally single-location or mobile contractors with annual revenues up to about $250,000.
Can I add coverages beyond General Liability and Marina Operators Legal Liability?
Yes. MPG offers optional endorsements to expand coverage for property, inland marine (tools and equipment), hired/non-owned auto, and other common artisan exposures. Availability may vary by state and underwriting details.
How does underwriting treat on-water work and subcontractors?
Underwriters evaluate where work is performed (shop vs. on-vessel), safety controls, jacking/hauling practices, and the use of subcontractors. Controlled subcontractor procedures and documented loss prevention practices improve placement prospects.
What are typical minimum premiums and billing options?
Minimum premiums vary by state and risk characteristics. MPG offers flexible billing options, including direct or agency billing. Contact MPG underwriting for the specific minimums that apply to your submission.
Where is the program available and how do I submit?
The MAC program is available in the states listed on the storefront. Maritime Program Group is a managing general agency; submit risks directly to MPG or contact their team at the phone number above for submission instructions and quoting.
Need help placing an account? Connect with a market specialist.