Marina contractor insurance — Pacific Northwest

They do. Hurricane, named-storm, tidal, ice, and sea-level-rise exposures vary by region and influence both how you build and how the risk is underwritten. We account for the region's coastal environment when structuring your program.

Yes. We routinely issue the additional-insured status, waivers of subrogation, and primary/non-contributory endorsements that local ports, marina owners, and developers require before you mobilize.

We do. We right-size coverage and payroll reporting for seasonal crew scaling and can structure policies to match your region's build season, including short-term project and installed-material coverage.

Wind, named-storm, storm-surge, and ice exposures vary by region and affect marine builder's risk, equipment, and auto pricing. We shop markets that write your region and structure deductibles so you're protected without overpaying.

Yes. For larger or unusual local waterfront projects we can write a project-specific builder's risk policy that covers the dock, pier, or marina structure and materials during construction, in addition to your ongoing program.

Yes. We supply the certificates of insurance, additional-insured endorsements, and high-limit proof that local ports, the Army Corps of Engineers, and marina owners require — turned around fast.

We do — coast to coast. Because we're licensed everywhere, a single program can follow your crews across regional and federal water lines, with one point of contact for certificates, endorsements, and claims.

Most marina contractors pay $2,500–$9,000 a year for $1M/$2M marine general liability, with Jones Act/USL&H rated on over-water payroll and equipment floaters based on scheduled marine gear. We quote the full program in about 15 minutes and show every market's price.

Yes. Contractors Choice Agency is licensed in all 50 states and writes marine construction crews from the Gulf Coast and Florida to the Chesapeake, New England, the Great Lakes, and the Pacific coast.

About 15 minutes for a standard program. Once bound, we turn around additional-insured certificates, waivers of subrogation, and primary/non-contributory endorsements usually within minutes.

The Jones Act covers crew members who work on navigable waters as 'seamen.' If your crew works on a barge, tug, or over navigable water, standard workers' comp does not apply — you need Jones Act coverage. We'll confirm exactly where your operations fall.

Only upland. Over-water work on navigable waters falls under the Jones Act and USL&H (Longshore), not state workers' comp. We coordinate all three so every crew member is covered everywhere they work.

Equipment is covered under an inland marine / contractors equipment floater (and watercraft may need a separate hull/P&I policy), not under GL. We schedule barges, cranes, pile drivers, and dredges at replacement cost so a loss over water is covered.

Most marine contractors carry $1M/$2M marine GL with a $2M–$5M umbrella. Ports and large marina owners often require $2M–$10M limits plus additional-insured status. We size limits to your actual contract requirements.

Yes — personal auto excludes business use and will deny claims when you haul dock sections or materials. Commercial auto covers your trucks, trailers, and lowboys, including hired/non-owned vehicles.

Often, yes. We have excess-and-surplus (E&S) markets for marine contractors with loss runs, USL&H claims, cancellations, or tough exposures that standard markets decline.

Your marine GL doesn't cover independent subs — they should carry their own (including Jones Act/USL&H) and name you additional insured. We set up certificate tracking and additional-insured requirements so subcontracted work doesn't become your liability.

You reach a person with context, not a queue. We respond within 2 hours, help you document the loss, and manage the claim with the carrier so it's paid correctly and your operation keeps moving.

Marine construction has Jones Act, USL&H, and over-water GL traps that generic carriers miss or deny. A specialty broker knows the maritime statutes, the markets that write marine work, and how to manage a maritime claim.