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

Commercial
Boat Insurance
Quotes

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

Shane has been exceptionally helpful, always responded promptly, was very patient and treated us as a top priority! We were in an very unexpected situation where our college age daughter's car died on the interstate. The repairs were not feasible for the older model car, so we started a frantic hunt for another vehicle. Not only is the used car market currently abysmal, we needed to figure out how much her insurance would be increasing before making a final decision. Shane was our go to expert, checking over 10 different VIN #s for us to confirm the cost of insurance increases! He was also helpful in getting the original policy updated with the newer car info & financing requirements very quickly. Shane has outstanding communication & customer service skills! Thank you so much Shane!
Kathleen Pankoe
20:48 26 Mar 24
The professionalism is exceptional fear now is such a great company.. Will continue to do business with this company..Was such a pleasure to workWith Joseph Boyle, He makes the process go smooth and easy. Thanks Joseph for providing exceptional service.
Lakeisha Burkes
13:35 22 Mar 24
Joseph has been awesome to work with in obtaining property insurance after already having my auto insured for a few years. I'm a licensed agent so I appreciated his efficiency, professional advice and how quickly he got everything done for me. 100% recommend and I'll be sending him more referrals!
Holly Walton
22:08 21 Mar 24
Have always been happy with these folks. Have had commercial insurance and personal lines with them. Great broker with lots of options. Have been using them for 15 plus years.
Russ Lawson
11:34 18 Mar 24
Jennifer Rubio did a fantastic job finding me an alternative for my homeowner insurance after American Integrity raised my premium by 50%.
Jane Walley
15:39 11 Mar 24
Jennifer Rubio was very helpful regarding auto insurance quotes and making sure we got the proper coverage. she was never in a hurry, but took her time in ensuring all computer apps were down loaded, to ensure we understood all applications.
Noemi Casanova
22:44 07 Mar 24
Jennifer Rubio by far qualifies in my mind as one of the most amiable, professional and thorough agents that I have encountered in my life. From the beginning of our contact, J ennifer understood my need, offered options and recommendations which completely resolved my request for adequate and alternative auto insurance. Congratulations to Fearnow. I have and will recommend Fewrnow. Thanks a zillion.
Reginald Kelly
22:08 06 Mar 24
I have recently purchase a Vessel and Tori was very knowledgeable, helpful and courteous in assisting me with the insurance. It was a pleasure working with her.
Russ Bryant
15:07 01 Mar 24
I would highly recommend Fearnow Insurance!Mrs.Melanie did more than words can explain.Really appreciate everything that has been done by Fearnow and the team.Looking forward to many more years!
Ronnie Meachum
13:03 01 Mar 24
Lydia was so very patient with me and helped my family to save a lot of money on car insurance. I would definitely recommend!!
Marie Chandler
14:28 27 Feb 24

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.

Local & Family Owned

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.