Marina Insurance

With the cost of a single boat easily topping $100,000, Marina Insurance is more important now ever.

As the owner of a Marina, we know you take pride in storing and protecting your customer’s property.

The last thing you need is an unexpected disaster costing you your business.

Rather than offer the same cookie-cutter policies of most insurance agencies, we take the time to understand each business we serve to design a custom policy with the right coverages at the right price.

Isn’t it time you had an insurance partner that worked as hard as you do?

Tomins — mindful insurance today, successful marina tomorrow. 

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Do I Really Need Marina Insurance?


Beyond the huge liability involved with storing other people’s boats, the risks associated with running any modern business are far too common to ignore.

Tomins’ seasoned team of Marina insurance experts specializes in getting you all the insurance you need, with none of the coverages you don’t.

Powered by Higginbotham, we employ the same consultative approach to Insurance for Marinas.

Rather than offer the same generic packages offered by most organizations in the insurance space, we take the time to understand each business and its unique needs to make sure we’re delivering the perfect package for your situation.

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Row of boats moored at a marina in the San Francisco bay at sunset

Which Coverages do I Need for My Marina?

Every Marina we serve has unique needs that deserve unique coverage.

That said, there are a handful of essential coverages that Tomins recommends almost all Marina owners to carry. Typically packaged into a commercial package, the three most important Marina coverages include:

Commercial Property Insurance

Commercial (or general) property insurance can help protect your marina’s physical property, building or buildings, and the assets you have in those buildings.

General Liability Insurance

 General liability insurance is one of the most common and important coverages in the small-business world — well beyond the world of insurance for electricians. It should generally be included in every small-business insurance policy. General liability coverage can protect you against financial loss from lawsuits filed against your business.

Business Income Insurance

Also known as business interruption insurance, business income insurance helps replace income lost as the result of a covered claim.

Pollution Liability

With gasoline-filled storage tanks used for fueling at most marinas, Pollution Liability is a necessity into helping protect owners against a release.

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Additional Marina Insurance Coverage Options

Some other Marina coverage options to consider include:

  • Limited Care, Custody, or Control Property Insurance
  • Important Record and Document Coverage
  • Employment Practices Liability (EPLI)
  • Employee Benefits Liability Coverage
  • Workers Compensation Insurance
  • Sewer Drain Back-Up Coverage
  • Professional Liability (E&O)
  • Umbrella Coverage

The last thing you need is one more thing keeping you up at night. Get your free personalized Tomins Marina Insurance quote today.

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How Much Does Marina Insurance Cost?

Because each Marina has a different risk exposure based on the property housed, location and other factors, the cost of insurance will vary from marina to marina.

While it’s impossible to quote a price on good coverage without understanding the specifics of your operation, we pledge to get you all of the coverages you need and none that you don’t, at a price that makes sense for your situation.

Every time.

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Getting your Marina Insurance Quote Now

To help us deliver the best quote possible, we ask that you gather the following information before applying:

  • Gross Annual Sales
  • Storage Tank Details
  • Business Address and Tax ID
  • Target Effective Date (Date of Policy Start)
  • Number of Employees you Currently Employ
  • Information about other insurance you currently hold
  • Volume, Nature, & Storage Method of Client Data
  • Proof of professional licensing & other relevant
  • Brief Description of Your Business Operations
  • History of Past Claims (at least 3 years)

Don’t just settle for the NEXT best thing.

Tomins: Mindful insurance today–Successful business tomorrow.

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