Commercial Property Insurance
Commercial property insurance covers the land-side physical assets of your marina — office and clubhouse buildings, ship's store, repair shop, dry-stack structure, equipment, and inventory — against fire, theft, storm, and other covered perils.
Commercial Property Insurance for Marinas & Boatyards
Beyond your docks and the boats in your care, a marina or boatyard runs a substantial land-side operation — office and clubhouse buildings, the ship's store, the repair shop, the dry-stack structure, travel-lifts and forklifts, and store inventory. Commercial property insurance protects these assets.
What's Covered
- Buildings: Office, clubhouse, ship's store, restrooms, and repair/service buildings
- Dry-stack storage structure: The covered racking building itself
- Business personal property: Tools, shop equipment, parts, and ship's-store inventory
- Equipment: Travel-lifts, forklifts, and yard machinery (or scheduled separately on equipment forms)
- Perils: Fire, theft, vandalism, wind, and water damage
- Business income: Lost revenue and continuing expenses if a covered loss forces a shutdown
Business Interruption
If a fire or major storm shuts down your fuel dock, ship's store, or service operation, revenue stops while expenses continue. Business income coverage replaces lost income and pays ongoing costs — payroll, lease, debt service — while you rebuild. For a seasonal marina, timing this coverage to your peak season is critical.
Getting the Values Right
Marinas often under-insure the dry-stack structure and high-value yard equipment. We help set replacement-cost limits that reflect what it actually costs to rebuild the structure and replace travel-lifts and forklifts — so a major loss doesn't leave you short.
Coordinating With Dock & Equipment Coverage
Commercial property handles your buildings and contents; dock & property handles your waterfront structures; equipment can be scheduled where it needs specialized terms. We coordinate the whole program so there are no overlaps or gaps.
What's Covered
Frequently Asked Questions
No. Commercial property covers your land-side buildings and contents. Waterfront docks need dock & property coverage, and customers' stored boats are covered under marina operators legal liability (MOLL). We coordinate all three.
If a fire or storm shuts your fuel dock, store, or service shop, revenue stops but expenses don't. Business income coverage replaces lost income and pays continuing costs while you rebuild — especially important to time around your peak season.