USI Affinity’s Specialty Marine program offers comprehensive core coverages for all types of recreational marine organizations and businesses, including marinas, boat dealers, yacht clubs, and more.

Let our 20+ years of experience work for you.

Marina Operators Legal Liability (MOLL)

  • Coverage for boats, motors, trailers and other property in your care, custody and control. Typically excluded from many policies.

Piers and Docks Coverage

  • Coverage for piers, floating docks and fixed docks. Typically excluded from many policies. Average uncovered claims starts at $150,000+.

Core Coverage Enhancements

  • Enhanced general liability, marine and property coverages not found with non-marine insurers.

Multi-Line Coverage On One Policy

  • One-carrier policy for insurance exposures for general liability, marine, property, auto, workers’ compensation and bumbershoot coverages.

Cost Saving Opportunities

  • Association and Clean Marina credits plus additional savings through loss control and payment plans.
  • Up to a 5% safety credit for association members on package policies.
  • Exclusive 5% credit offered for policyholders who maintain certification by the Clean Marina program.
  • Limit frequency of out-of-pocket deductibles paid ($1,000 – $10,000) and future premium increases due to losses.
  • Interest-free payment plan which, on average, can save $1,200 – $2,300 in financing costs.

Why We're Different

Standard Insurance

  • A standard general liability policy excludes coverage for care, custody and control of property in a policyholder’s possession.

USI’s Approach

  • Our Marina Operator’s Legal Liability coverage grants coverage for boats, motors, and trailers in your care, custody and control.

Why It Matters

  • Most policies exclude this coverage. We typically pay claims from $5,000 – $75,000.

Case Study

A customer brought a vessel to our policyholder to store during the winter season. Our policyholder dropped the vessel from a forklift while placing the vessel in rack storage. While a standard general liability policy would not afford coverage, our Marina Operators Legal Liability policy offered coverage and paid $20,000 to repair the dropped vessel.

Learn More

Download our Specialty Marine Insurance Program flyer here.