Watercraft & Yacht Insurance
Yachts and watercraft carry a distinct set of risk factors most owners never encounter elsewhere. HUB Private Client goes beyond policy placement — helping you understand what matters most to carriers, connecting you with marine specialists, and building a risk management approach suited to how you actually use the water.
Marine Complexity
Informed owners get better outcomes on the water
Securing appropriate coverage starts with an accurate vessel profile, the right navigational limits and a clear picture of who's at the helm. Owners who understand what carriers actually weigh — and present that information honestly the first time — dramatically improve their chances of approval.
Carriers weigh make, model, size, horsepower and top speed carefully — underreporting performance specs is easily discovered and can jeopardize your application. A recent marine survey and accurate valuation help establish the right agreed value from the start.
Operator experience is one of the most heavily weighted underwriting factors, especially if you're stepping up in size or performance. Vessels above certain size and value thresholds typically require a professional captain, with a documented resume of experience on similar vessels.
Where and when you'll use your vessel affects your navigational limits and coverage territory. Storage location, marina CAT-rating and off-season layup plans — particularly in hurricane-prone areas — all factor into both insurability and premium.
Support at Every Stage
Support that goes beyond the policy itself.
Working in concert with your Private Client Risk Advisor, our team works on your behalf with carriers — assessing dockage and storage, connecting you with surveyors and mechanics, and evaluating captain and crew qualifications to strengthen your case before we bring it to market. That team stays with you after coverage is in place, coordinating vessel delivery, identifying trusted brokers, and providing dedicated support if you ever need to file a claim.
Solutions built around how boat
Insights & Resources
Guidance for high-net-worth individuals and families
Frequently Asked Questions
Watercraft Insurance Questions Answered by Private Client Risk Advisors
