Commercial Boat Insurance2022-09-21T13:21:42-04:00

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

Thanks to Joe Boyle for saving me over $150 a month on auto insurance coverage. He went above and beyond to help me and make sure that I got the best rate and coverage possible!! Happy to be a part of the Fearnow Insurance family.. :)
Melissa Dufrene
19:16 05 Jun 23
Joe and his team has always done right by me. Knowledgeable and reliable.
Ricardo Quiñones
01:11 03 Jun 23
Joe did a great job at looking out for our best interest. He found us great coverage at a great deal. I highly recommend his service.
Berta Sanabria
22:24 02 Jun 23
I can’t say enough good things about Fearnow Insurance. Joseph Boyle was very responsive, thorough, and professional. I highly recommend this company.
A Westcarr
21:04 26 May 23
I can't say enough about Fearnow Insurance. I would give 100 stars if I could. My agent, Joe B, fantastic. Knowledgable, organized, everything done timely and correct, KIND, thorough, caring. He understood my needs, actually listened to me, got me a car policy to meet those needs, AND saved me a lot of money over my last policy.Fearnow Ins. highly highly highly recommended!!!
somanycats Rsava
21:01 26 May 23
Responsive and they listen. Assisted with home insurance and turned around and got a new auto policy as well.
Joshua Sheldon
13:58 24 May 23
Joe helped us out so much when our insurance left Florida & we were left searching for another provider. He was patient, knowledgeable & walked us through the entire process!
Amber Queen
14:41 16 May 23
Mr Lamarr Batittiste helped us with a quote, a lower premium and the necessary paperwork to change our insurance company. His knowledge of insurance and his extremely friendly attitude made the whole process a pleasure! We recommend him and already consider him a friend!
melody hendricks
21:32 11 May 23
I can't say enough about Joe Boyle with Fearnow Insurance. He quickly set me up with new homeowners insurance. He kept in touch with me and provided updates and was very pleasant to work with. I now have him reviewing my car insurance!!
Carol Maness
14:50 10 May 23
I’ve been with them for 8 years they are the best!
Juan Villagrana
17:58 06 May 23

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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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.