Commercial Boat Insurance2025-04-03T06:12:16-04:00

Commercial
Boat Insurance
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Commercial Boat Insurance Quotes

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Save up to 37% with Fearnow Insurance

Do you need commercial boat insurance? Commercial boat insurance is also referred to as commercial marine insurance, and it’s designed to protect you against financial loss while you are transporting people and cargo across the water or if your boat is damaged due to certain types of weather.

Types of Commercial Boat Insurance in Florida

Commercial boat insurance is essential if you operate a boat rental business or a commercial boating business, like fishing, sightseeing, and cargo transport.

Boat Rental

Boat rental insurance helps protect you in case you experience a covered loss while your boat is docked or while it is being rented. This type of boating insurance is designed for:

  • Boat rentals without a crew
  • Membership clubs where boats are rented to the members
  • Boat and breakfast venues

What Our Customers Say

I just wanted to thank Madrienne James at Fearnow for her outstanding service. She helped us save thousands on our insurance and I cannot thank her enough for her efficiency and hard work. I would recommend Fearnow to everyone!
Karen O'Malley
19:08 21 May 25
I've been a customer of Fearnow for about a year now...I started out with one home insurance policy with Fearnow and now I've transferred over all my policies to them. Joe has been incredible in helping me find the best prices for all my properties. He is very responsive to all my emails and questions and most importantly he is very thorough with everything. He doesn't miss a thing ! I feel confident in knowing that I am in good hand with Joe at Fearnow Ins.
Mindy
18:17 15 May 25
I’ve been a customer of Fearnow for about 3 years now. I’ve trusted them with my home, auto, and life insurance policies.Joe and Matt have worked diligently to find me the best policies that meets my needs and don’t break the bank.Joe, in particular, went the extra mile when it came to my life insurance policy. He was a steadfast advocate for me and my family during the underwriting process and helped me lower my rate by requesting the consideration of a second opinion. If Joe hadn’t stood by my side, I’d have half the coverage for the same price.Therefore, I couldn’t recommend the folks at Fearnow enough. They really do put their customers needs first!
Nicholas Olson
01:47 12 May 25
I want to give a big thank you to Tracy Smith for helping me find a less expensive homeowners insurance company. And the strawberry on top is that she has been so pleasant to speak with the last couple of weeks. I went into the office today and everything was professional yet friendly. Thank you again, Tracy!
Valerie J. Yonkin Eastwood
15:04 06 May 25
Joe is a rockstar! Always looking for better rates and does a fantastic job. He’s helped us with Auto, Umbrella and now working on our home insurance.
Chris Wantlin
19:28 01 May 25
Joseph is amazing! He is very informative, and helped my husband and I get the lowest price for homeowners insurance with more coverage! Would highly recommend !
Kayla Dupuis
14:21 29 Apr 25
I just want to thank Joe for all his hard work figuring out the perfect fit for our auto insurance needs. I wholeheartedly recommend this company to family and friends. His professionalism, knowledge and understanding of his products and our needs was unparalleled. Thanks again
Nita Stafford
00:36 24 Apr 25
I'm a new resident to the Florida area, Joe was extremely helpful and attentive to our needs with acquiring policies that we needed! Great job JOE!
Neil L Anastas Jr
20:39 23 Apr 25
Fearnow Insurance was very professional and timely done.Joe Boyle Saved us a lot of money…can’t thank him enough..
Margaret Rudolph
19:36 11 Apr 25
Joe goes above and beyond with his customers to make sure things are just right.
Debbie Clair
17:30 11 Apr 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Commercial Vessel Insurance

Commercial vessel insurance is designed with shippers, tour boats, and commercial fishermen in mind. It provides coverage for:

  • Inshore and offshore commercial fishing boats
  • Sightseeing and tour boats
  • Charter boats
  • Boating, waterskiing, and wakeboard schools
  • Barges, tankers, tugboats, and ferries
  • Cruise ships

What Commercial Boat Insurance Covers

What would you do if someone were accidentally injured or became ill while on one of your boats? Do you have the funds to pay for these types of expenses? For most boating businesses, the answer is no. They cannot pay for these types of incidents from their business funds. To financially protect you against liability and injury claims as well as damage to your boat, you should have a good commercial insurance policy that provides marine liability insurance, hull insurance, cargo insouciance, pollution insurance, and uninsured boater’s insurance.

Marine Liability

Marine liability insurance is similar to the liability insurance you might have for an automobile. It protects you against legal liability and helps pay for certain covered expenses, like if a crew member or passenger is injured or has their property damaged while aboard one of your commercial boats. It also covers injury, illness, and death.

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Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

Hull Insurance

Hull insurance is similar to the property coverage that you have on your vehicle. It covers damage to the hull of your ship and damage to other boats’ hulls if you have an accident on the water. It covers the equipment that is attached and unattached to the ship. For example, if you have furniture attached to your decking and that furniture becomes damaged or dislodged during an event, the repair or replacement of those items would be covered. Of course, hull insurance goes a few steps further and also offers coverage for items and equipment in your boat that is not physically attached as well as your propulsion system.

Cargo Insurance

If you own a cargo ship or frequently transport goods across the water, you’ll need a good cargo insurance policy. Cargo insurance helps finally protect you if any goods or items you are transporting for delivery are damaged or destroyed in transit. This coverage typically starts the minute the cargo is loaded on your ship until it is delivered to its final destination.

Pollution

What would do you in the event your boat becomes an environmental hazard? This scenario typically occurs if your boat is damaged and starts leaking fuel or oil or sinks due to a storm or fire. Once this happens, you’ll need to have your boat extracted from the water and clean up any liquid or chemical spills. Pollution coverage helps you pay for wreckage removal and cleanup of any hazardous materials or liquids that could be hazardous to the environment.

Uninsured Boater

While we don’t recommend operating your boat without insurance, there are boats out there that are not insured, and if they crash into your boat, they could cause extensive damage. Uninsured boaters’ insurance helps pay for repairs to your boat and any injuries if you have an accident with another boater who is uninsured. With this coverage, you’ll simply file a claim with Fearnow to get the funds to repair your boat and pay for any injuries sustained during the boating accident.

Getting Commercial Boat Insurance with Fearnow, Serving Florida

Our agents at Fearnow, serving Florida, can help you get the boat insurance you need at an affordable price. We do this by listening to your needs and searching numerous insurance policies to find you the best coverage for the best rates.

To learn more about our boat insurance and to get a free quote, call us today at 813-689-8878.