Secure Your Seafaring Adventures: Explore Marine Insurance Options
Yacht and marine insurance offers peace of mind for any boat owner, protecting against a range of risks while at sea or dockside. Whether you own a yacht, sailboat, or commercial marine craft, our insurance solutions provide comprehensive coverage for physical damage, liability, and more. Set sail with peace of mind and customized coverage.
Yacht & Vessel
Vessel coverage starts with two foundations: Hull & Machinery, which protects the physical vessel, and Protection & Indemnity, which covers your third-party liability exposure. HAML places H&M and P&I together or separately, across admitted US markets, surplus lines, and Lloyd's syndicates — structured to fit your vessel type, flag state, and operating area.
Hull & Machinery (H&M)
Covers physical damage to your vessel — collision, weather events, fire, sinking, and grounding. Includes the hull, machinery, navigation electronics, tenders, and on-board equipment. We place H&M across the full range of vessel types, from personal sailing vessels to commercial superyachts.
Protection & Indemnity (P&I)
Covers your third-party liability — bodily injury, property damage, pollution, wreck removal, cargo liability, and crew injury claims. Most marinas and shipyards require P&I as a condition of entry or operation. We place standalone P&I for vessels who only need P&I and want to self insure H&M.
VESSEL TYPES
We place coverage across the full range:
- Personal sailing vessels and powerboats
- Sport fish, day-charter, and coastal charter vessels
- Superyachts — private or charter
- Commercial vessels
ADDITIONAL COVERAGE LINES
Beyond H&M and P&I, we also place:
- Marine Vessel Pollution Liability
- COFR
- Bunker Blue Cards
- Loss of hire
- War & Piracy Risks
- Kidnap & Ransom
- Cyber
- Yacht builder’s risk
- Charterers liabilities
Marine
Marine insurance covers the commercial and operational risks that fall outside standard vessel coverage — liability for marine businesses, pollution exposure for shipyards and marinas, and specialist coverages for vessel-related trades and operations.
COVERAGE TYPES
- Marine General Liability (MGL)
- Boat Repair
- Marinas
- Boat Haulers
- Shipyard Vessel Pollution
- Marina Vessel Pollution
- Non-Vessel Owner Pollution