Marina & Boat Storage Insurance Coverage Checklist
The coverages a marina & boat storage business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for marinas, boatyards, and boat storage operators. Priorities reflect typical exposure; confirm against slips and services.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Marina Operators Legal Liability | Covers customers' boats in the marina's care — general liability excludes them. | Core | |
| General Liability | Covers visitor and customer injuries on docks and grounds. | Core | |
| Commercial Property (incl. | Docks & Piers) Covers buildings, docks, lifts, and equipment — docks may need scheduling. | Core | |
| Pollution Liability | Covers fuel spills and cleanup — often excluded elsewhere. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for fires and serious injuries. | Prevalent | |
| Workers' Comp (incl. USL&H where needed) | Boatyard workers may need federal longshore coverage — confirm. | Core | |
| Protection & Indemnity / Liquor | Needed for marina-owned boats, rentals, and restaurants or bars. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is customers' boats. General liability excludes property in the marina's care, and one fire can spread across a dock of boats. Marinas should carry marina operators legal liability sized to the boats they hold, and require every boat owner to carry hull and liability insurance.
Send us the checklist and we'll review your marina & boat storage coverage line by line, then market it across multiple carriers that compete for your account.
Related: Marina & Boat Storage Insurance · Marina & Boat Storage Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a marina & boat storage business need?
The core coverages for a marina & boat storage business are Marina Operators Legal Liability, General Liability, Commercial Property (incl., Workers' Comp (incl. USL&H where needed). This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my marina & boat storage coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.