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

Commercial
Boat Insurance
Quotes

Commercial Boat Insurance Quotes

google rating and reviews graphic
fearnow bbb badge
angies list a rating badge
google rating and reviews graphic
fearnow bbb badge
angies list a rating badge

Quotes from 350+ Carriers:

progressive insurance
auto owners insurance
travelers insurance
nationwide insurance
liberty mutual insurance
allstate insurance

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

My wife and I reached out to Fearnow Insurance about 1 week ago to get a more competitive price for our homeowner's insurance. We were helped through the quote process by Lydia Bobek at the Seffner office ! WOW ! - She was all of these : friendly, helpful, knowledgeable, efficient - and thorough ! She was able to save us serious money for a policy comparable to what we had with a different insurer. More importantly, she made sure what we were getting was the RIGHT policy for our needs. Fearnow was great ... Lydia though, is AWESOME !
Gerry Rotondo
17:59 26 Feb 24
My agent is Matthew Wink, and he has provided me with excellent service for many years. I am very satisfied with his professionalism and customer service.
Bryan Mion
00:56 24 Feb 24
I would highly recommend Fearnow Insurance (Seffner, FL) if you not only want the quickest results to your home insurance needs, but also the best value given your personal circumstances.Our family has been made to feel prioritized, given the fast return response times to all of our questions/concerns.Our representative, Joseph Boyle, with nearly 30 years of experience, is adept in his field, and with this added value, being extremely knowledgeable follows as should be expected.He carries himself with the utmost professionalism, yet is also very personable, and explains our questions thoroughly, so we are not left in the dark.He will thoroughly review all options that best suit your family needs to get you most affordable policy. With his military background, it is clear that this has most likely contributed to his organizational skills, as well as extreme promptness.I would recommended Fearnow as my first choice, when comparison shopping.Best of luck and happy insurance shopping. Fearnow is sure to make it painless!
Kendal Donohoe
18:18 22 Feb 24
Gracias Jennifer por el excelente servicio como siempre. May profesional y amable.
Hanoi Lapaix martinez
03:52 22 Feb 24
Been using Fearnow for a few years now and they're great. Melanie is amazing and very helpful whenever I have any questions or issues
David Campbell
14:37 21 Feb 24
Jennifer Rubio helped us save! Thank you for all your help!
Brittany Bush
14:08 21 Feb 24
We have had a very nice experience with JOSEPH!Very helpful!
Carol Valvo
21:59 20 Feb 24
Lydia was/is my contact with Fearnow Insurance. I have never had such a nice experience when dealing with an insurance agent at a large insurance agency. Lydia was very nice , pleasant and knowledgeable. She listened to what I was inquiring about ( a new policy ) and asked relevant questions. She had a quote for me within 24 hours and it was a better policy than what I was leaving behind and for much less money. Everything was done over the IPHONE. Fantastic experience, HIGHLY recommend Fearnow Insurance and Lydia. I will be telling family & friends to give them a try.
Steve Doyle
20:08 06 Feb 24
Joe's service went above and beyond my expectations. He works quickly and thoroughly with great attention to details. I recommend Joe as a great agent to serve you well!
James Reed
20:43 03 Feb 24
I have nothing but praise for this company. I have dealt with Matthew Wink for several years and he is knowledgeable, attentive, and professional. He jumps right on my requests and puts forth maximum effort to save me money where possible. I'm his customer for life!!
Ron Clemmons (illconsumed)
02:40 02 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.