Boat dealers and marine supply businesses face unique risks—from high-value inventory to water-related liabilities. Whether you sell boats, provide repairs, or run a dockside shop, tailored insurance can help protect you from injuries, property damage, and employee claims. Boat dealer and marine supply business insurance covers customer property in your care and unexpected accidents on-site. With a custom policy, you can focus on running your business while staying protected.
General liability insurance for boat dealers & marine supplies businesses covers accidents that happen on your premises or because of your operations. It’s a must-have. This policy helps with legal fees, settlements, or medical bills if someone sues your business for third-party bodily injury, property damage, or advertising injury.
Claim Example: A customer trips over a coiled hose at your boat dealership and fractures their wrist. They sue for medical costs and lost wages. General liability insurance helps cover your legal defense and any payouts.
Business Personal Property (BPP) insurance protects your gear, inventory, office furnishings, and other moveable items. If you’ve got boats, trailers, or display models in a showroom—or engine parts, electronics, or safety gear in a warehouse—BPP has your back in case of fire, theft, vandalism, or storm damage.
Claim Example: A fire breaks out in your service center, damaging several outboard motors and diagnostic tools. Your BPP insurance helps replace the damaged inventory so you can get back to selling and servicing boats.
Workers’ comp covers your crew if they get hurt on the job. Whether they’re fixing hulls, loading stock, or managing the retail floor, this policy pays for medical treatment and lost wages.
Claim Example: A technician slips while stepping onto a boat during an inspection and injures their shoulder. Workers' comp steps in to cover their recovery costs and time off work.
Other insurance boat dealers & marine suppliers should consider:
How Much is Boat Dealers & Marine Supplies Insurance?
There is no one size fits all policy, which means the insurance costs vary. Small companies with just a few employees may pay as little as $1200 a year. Larger operations could pay up to $8000.
How Do I Buy This Insurance?
Call one of our agents here at USA business, or click here to fill out our online form and we'll get you taken care of.
What is Additional Insured Endorsement?
It adds someone else—like a marina or landlord—to your policy so they’re protected under your coverage for specific situations.
What is a Certificate of Insurance?
It's a document that proves you have active insurance.
What Does Business Insurance Cost in My State?
Each state is different. We're licensed in all 50 so that we can find state-specific pricing that works best for you.
We're the commercial insurance pros with 99% customer satisfaction and unmatched expertise in the marine industry.
Contact us today to get started!
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