Commercial Auto Insurance for marine contractors

Hired auto covers rental vehicles; non-owned auto covers employees driving their own personal vehicles for your business. If any crew member runs materials in their own truck, you want non-owned coverage — it protects your business when their personal policy falls short.

Liability for an at-fault crash is covered, but the cargo generally is not. Materials in transit are an installation floater / inland marine matter. We coordinate auto liability with a materials floater so the cargo is protected too.

Yes. Heavy trailers need their own physical damage coverage and the truck towing them needs adequate liability. We schedule trailers and make sure the combined rig — especially when hauling a crane or pile driver — is properly insured.

Premium is based on the vehicles (type, value, use), drivers (records and experience), and radius of operation. Clean driving records and accurate vehicle scheduling keep the cost down.

Commercial auto covers at-fault liability and physical damage for company vehicles. We respond fast, coordinate the claim, and get the truck repaired or replaced so the crew keeps moving.

Both. Whether you run a single work truck or a fleet of haulers, lowboys, and trailers, we structure a commercial auto program that covers every vehicle and driver.

Many policies include some loading/unloading liability, but the cargo itself is an inland marine matter. We make sure the liability gap is closed and pair the auto policy with a materials and equipment floater.

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.