Insurance Coverage for Boat Repair Businesses
Comprehensive protection options designed specifically for marine mechanics, boat repair shops, and watercraft service businesses.
Get Your Free QuoteCoverage Options
Choose the coverage that fits your marine business. We'll help you build a comprehensive protection package.
- Coverage for boats during repair work
- Protection during storage and winterization
- Coverage for sea trial accidents
- Fire, theft, and vandalism protection
- Weather damage while in your possession
- Legal defense for damage claims
- Slip and fall injuries at your shop
- Property damage to customer belongings
- Products and completed operations
- Advertising injury coverage
- Medical payments for injured visitors
- Legal defense costs included
- Diagnostic computers and scanners
- Specialty marine tools
- Boat lifts and hoists
- Welding and fabrication equipment
- Power tools and hand tools
- Coverage for theft and damage
- Medical expenses for work injuries
- Lost wage replacement
- Disability benefits
- Rehabilitation costs
- Death benefits for fatal accidents
- Legal defense for claims
- Building and structure coverage
- Parts and inventory protection
- Office equipment and furniture
- Signs and outdoor property
- Business income coverage
- Extra expense coverage
- Errors and omissions coverage
- Faulty workmanship claims
- Missed deadlines or delays
- Advice or recommendation liability
- Failure to perform services
- Legal defense and settlements
Marine Services We Cover
We insure all types of boat repair and marine service operations.
Engine Repair & Rebuild
Inboard and outboard motor service
Fiberglass & Hull Repair
Structural repairs and refinishing
Electronics Installation
Navigation systems and electronics
Marine Painting & Detailing
Bottom paint and cosmetic services
Have a specialized marine service? We likely cover it too. Contact us to discuss your specific needs.
Frequently Asked Questions
Common questions about boat repair business insurance.
What is Garage Keepers Liability and why do I need it?
Garage Keepers Liability protects you when customer boats are damaged while in your care. Whether during repairs, storage, or sea trials, this coverage pays for damage you're legally liable for. Without it, a single damaged boat could cost your business tens of thousands of dollars.
Does my business need Workers Compensation insurance?
Most states require Workers Compensation if you have employees. Marine repair work involves inherent risks - heavy lifting, power tools, working around water - making this coverage essential. It protects both your employees and your business from the financial impact of workplace injuries.
What's covered under General Liability for a boat repair shop?
General Liability covers third-party injuries and property damage at your business. If a customer slips on your dock, if your work causes damage to a boat after it leaves your shop, or if you accidentally damage property at a customer's location, GL provides protection.
How much coverage do I need for customer boats?
Coverage limits depend on the types of boats you service. We typically recommend Garage Keepers limits that cover your most expensive customer boat, plus a cushion. Many shops carry $250,000 to $500,000 in Garage Keepers coverage.
Are mobile boat repair operations covered?
Yes! We can structure policies to cover mobile marine repair operations. This includes liability coverage while working at marinas, docks, or customer properties, as well as tool coverage for equipment you transport.
Have more questions? We're happy to help.
Contact UsGet Your Custom Quote
Every marine business is different. Let us create a coverage package tailored to your specific operations and risk profile.