August 22, 2025

Marina operators manage complex environments that blend public access, high-value property, water hazards, and commercial activity—all of which present unique risks. Having the right insurance coverage isn’t just smart—it’s essential for protecting assets, limiting liability, and ensuring operational continuity. Whether you operate a small, independent marina or a large-scale facility with multiple services, understanding the key insurance policies you need is critical to long-term success.

Property Insurance

Your marina’s physical property—including docks, piers, slips, boat lifts, fueling stations, and buildings—needs comprehensive protection. Property insurance covers damages caused by fire, storms, vandalism, and other unforeseen events. For waterfront facilities, it’s important to ensure the policy includes coverage for floating structures and weather-related risks such as storm surge or wind-driven water.

General Liability Insurance

Liability claims are a significant concern for any business with public access. General liability insurance protects you if someone is injured on your premises or if you’re held responsible for third-party property damage. Slip and fall accidents, injuries on docks, or damage to boats in your care could all lead to costly claims. This policy forms the foundation of any marina insurance plan.

Marina Operators Legal Liability (MOLL)

This specialized coverage is designed specifically for marina owners and operators. It provides protection if boats in your care, custody, or control are damaged due to negligence. For example, if a vessel is scratched or sunk while docked at your facility, MOLL coverage helps pay for repairs or replacement.

Pollution Liability Insurance

Fuel spills, oil leaks, or hazardous waste runoff can quickly become environmental disasters—and marinas are particularly vulnerable. Pollution liability coverage helps cover cleanup costs, third-party claims, and regulatory fines in the event of a spill or contamination incident. Some policies also include coverage for sudden and accidental pollution events.

Workers’ Compensation

If you employ dockhands, mechanics, office staff, or maintenance workers, you’re likely required by law to carry workers’ compensation insurance. This policy covers medical expenses and lost wages for employees injured on the job. It also protects your business from potential lawsuits related to workplace injuries.

Commercial Auto Insurance

Many marinas operate trucks, trailers, or service vehicles to transport boats, parts, or staff. A commercial auto policy covers liability and physical damage for vehicles used for business purposes, ensuring your on-the-road operations are protected.

Equipment Breakdown Insurance

Your marina may rely on heavy machinery such as boat lifts, fuel pumps, refrigeration units, or maintenance tools. Equipment breakdown insurance helps pay for repair or replacement of this equipment in case of mechanical or electrical failure, limiting downtime and repair costs.

Business Interruption Insurance

If a covered event—like a fire or major storm—shuts down your marina, business interruption insurance helps cover lost income and operating expenses during the downtime. This coverage ensures you can recover and reopen without financial devastation.

Cyber Liability Insurance

As marinas adopt more digital systems for bookings, billing, and communications, the risk of cyberattacks increases. Cyber liability insurance protects against data breaches, ransomware, and other cyber threats, helping cover recovery costs and legal fees.

Protecting Your Investment

Every marina is different, so your insurance needs may vary based on the size of your operation, the services you offer, and your geographic location. Working with a marine insurance specialist ensures your coverage is customized to address your unique exposures. At Pacific Ocean Marine Insurance Brokers, Inc., we help marina owners navigate the complexities of insurance so they can focus on running a safe, successful business.

If you’re unsure whether your current policy provides adequate protection, contact us today for a coverage review or a tailored quote.