Boat & Marine Insurance

Boat and Marine Insurance

Whether pleasure boating on the inland waterways, sport fishing off the coast, or a simple day cruise, the vast waterways of the United States offer all boaters an excellent resource.

We understand the need to present a boat owner with a complete package of coverages and the ability to tailor the benefits, resulting in one of the best boat insurance programs available. Our A+ rated insurance companies offer absolute security, broad coverage, and competitive premiums for you and your watercraft.


D’Arcy Insurance provides solutions for:

Boats and Yachts


Luxury and Mega Yachts

Boat Dealers


Yacht Clubs and Sailing Schools

Liability Only

Boat Builders, Manufacturers, Distributors

"Mature" Vessels Built-in 1980 & prior

Marine Artisans

High-Performance Boats

Rental Fleets

Personal Watercraft

Yacht Brokers


Recreational Marine Commercial Insurance Coverage Highlights:

  • Package - Property, Crime, GL & IM
  • Marina Operators Legal Liability
  • Yacht Dealers Inventory
  • Piers, Docks & Other Marine Structures
  • Hull and P&I
  • Commercial Auto
  • Workers Comp
  • Builders Risk
  • Pollution
  • D&O and EPLI
  • Inland Marine


Boat and Yacht Coverage Highlights:

  • Hull and Protection & Indemnity
  • Jones Act Crew Coverage
  • Agreed Value
  • Breach of Warranty
  • Charter Coverage
  • Towing and Disablement
  • Coral Reef Damage
  • Fine Arts Coverage
  • All Risk Coverage
  • Personal Effects including fishing tackle
  • Firearms Confiscation
  • Fuel Spill Liability




Basic Boat Insurance Coverage

Basic boat insurance coverage provides you with protection for which other carriers may require additional premiums such as mechanical breakdown, uninsured boater, personal property, medical payments, commercial towing reimbursement, fuel spills, and dinghy coverage.

Uninsured Boater Coverage

Coverage for incidents when another boater may not have insurance coverage. If you have chosen sufficient limits on your policy, uninsured boater coverage can help cover your medical bills and bodily injury resulting from an accident with someone who does not have insurance. Coverage extends to you, your family, and your passengers. The requirement for uninsured boater coverage varies by state.

Towing and Assistance Reimbursement

Reimbursed for transportation of your boat to a repair facility when it’s inoperable, as well as for gas delivery and roadside assistance.

Personal Property Coverage

Protects personal property on the boat including but not limited to fishing equipment, clothing, and boating-related equipment such as life vests.

Physical Boat Damage Coverage

This coverage provides protection in the event of a collision such as with a submerged object or another boat.

Liability Coverage

This helps cover costs of bodily injury or damage to the property of others.