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Boat Dealer Insurance

EMC Insurance Companies has the knowledge and expertise to provide you with the right boat dealer insurance. We offer a full range of marine dealer insurance policy options including boat trailer dealers, marine supply stores and outboard motor dealers.

What Type of Boat Dealerships Is This Coverage Right For?

The boat dealer insurance program is designed for boat dealers that are located away from the water and that will occasionally operate watercraft on non-navigable inland waterways.

Types of Boat Dealer Insurance

Your boat dealer insurance policy can include a variety of individual coverages, including:

Business Auto Insurance for Boat Dealers

covers company vehicles driven by your employees and provides protection in case of an accident.

For example, if your employee accidently causes a rear-end collision while driving a company vehicle, auto insurance would help cover the costs.

Cyber Liability Insurance for Boat Dealers

helps your dealership recover from a data breach by helping cover the costs of:
  • Computer software restoration
  • Data recovery
  • Defense and liability
  • Identity recovery for key individuals within your organization
  • Response efforts
  • Third-party liability protection

Essential Property Insurance for Boat Dealers

helps protect your dealership’s buildings, boat inventory and other property against physical damage.

For example, if your showroom is damaged due to a fire, property insurance would help cover it.

General Liability Insurance for Boat Dealers

protects your dealership from liability exposures such as injuries, faulty work or damage to a customer’s property.

For example, if a customer were to slip and fall while viewing your inventory, general liability would help cover the costs.

Umbrella Coverage

provides your business with additional security in the event of an expensive liability claim that would otherwise exceed your coverage limits.

Workers’ Compensation Insurance

covers medical expenses and compensation for workers who get injured while on the job (available in select states).

For example, if an employee hurts their back while lifting a piece of equipment, workers’ compensation insurance would help cover the costs.

How Much Is Boat Dealer Insurance?

The cost of your boat dealer insurance can vary depending on the size of your business and the type of services you provide. EMC can customize your marine dealer insurance program so it works for you. Contact a local independent agent and ask about EMC’s Boat Dealer Insurance Program.

Our Boat Dealer Insurance Stats

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EMC proudly provides boat dealers insurance for more than 130 boat dealerships. We have over $3.4 million in written premium.

Types of Insurance Coverages for Boat Dealers

Property and Inland Marine Insurance

  • Cost of taking inventory
  • Debris removal
  • Employee dishonesty
  • Employees’ tools
  • False pretense(optional)
  • Money and securities
  • Newly acquired property
  • Ordinance or law
  • Peak season (optional)
  • Pollutant cleanup and removal
  • Property in transit or being demonstrated
  • Property on exhibit
  • Theft to buildings if policyholder is legally responsible for the damage
  • Water backup and sump overflow

Liability Insurance

  • Blanket additional insured
  • Broadened products
  • Broadened work performed
  • Care, custody and control
  • Expected or intended injury
  • Supplementary payments
  • Truth in lending and leasing and title errors and omissions
  • Agents errors and omissions liability endorsement
  • Watercraft coverage

Commercial Auto Insurance

  • Blanket additional insured
  • Hired auto physical damage
  • Personal property of others
  • Rental reimbursement
  • Towing: Increased limits
  • Waiver of deductible for glass repair or replacement

These are just some of the coverages offered through the EMC Boat Dealer Insurance Program. Talk with your independent insurance agent to learn more.

Disclaimer: This is a summary of coverages available. Coverage is subject to policy terms and conditions, limitations and exclusions, and may vary from state to state. Read your policy for specific terms and conditions or contact your local agent for details.

Hear From an EMC Policyholder

“Our underwriters always respond promptly and keeps us updated on what's happening with the new business marketing. They are extremely flexible and willing to think outside the box. Quotes are completed in a timely manner, almost always within our need by date.”

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Safety and Loss Control Resources for Boat Dealers

EMC has provided loss control services for our policyholders since 1926. Our experienced loss control professionals can give you suggestions and solutions that can lessen your risks.

Ergonomic Evaluations*

to identify ergonomic issues before losses occur. We also offer online resources to help you spot problems and educate your employees.

Hazard Control Assessments

to identify hazards that pose the greatest potential safety risks to your operations. We then recommend viable solutions to control or reduce these risks.

Injury Management Programs**

to help reduce the impact of injuries, including select provider, return to work, prework screening and worksite wellness programs.

Slip and Fall Prevention

to help you develop a proactive approach to reducing these incidents at your jobsite. We also offer many online resources to help prevent slips and falls–a leading cause of workplace injuries.

Online Safety Training

to give your employees convenient access to short training segments, complete with quizzes to check for understanding. You can register, assign training and track your employees’ training progress through our easy-to-use online training system.

Visit the Loss Control page to learn more and access our extensive collection of online safety resources.

Count on EMC® For Quality Insurance for Boat Dealers

Whether you sell marine supply or boat trailers, EMC has everything you need for your boat dealer’s insurance policy. And with more than 110 years of experience, customers know they can Count on EMC®— and you can too.

*These services are available only in territories where EMC provides workers’ compensation coverage.

**This program is not available in all states.

Find an EMC agent

Contact a local independent insurance agent and ask about EMC’s boat dealer insurance.

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A local independent insurance agent near you can help you find the right insurance for your needs.

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