Protection & Indemnity (P&I) Insurance

Protection & Indemnity for Marina Operations

If your marina owns or operates vessels — a workboat, a launch service, a pump-out boat, or a tow/assist craft — you have on-the-water liability that general liability does not cover. Protection & indemnity (P&I) is the marine industry's liability coverage for owned and operated watercraft.

What P&I Covers

• Bodily injury to crew, passengers, and third parties arising from vessel operations
• Damage to other vessels and property caused by your boat
• Crew injury exposures under maritime law (Jones Act considerations)
• Wreck removal obligations for a sunken owned vessel
• Collision and on-the-water liability general liability and auto policies exclude

Why Marinas Need It

Many marinas run launch services, water taxis, sea-tow style assists, or simply move boats around the harbor under power. The instant your crew is operating a vessel, you face maritime liability — including specialized crew-injury exposures under federal admiralty law that a standard workers comp or GL policy is not built to handle.

P&I and the Jones Act

Crew members who work aboard a vessel may be covered under the Jones Act rather than (or in addition to) state workers compensation. P&I — often paired with a Maritime Employers Liability (MEL) or USL&H endorsement — is how marinas address these complex maritime crew exposures correctly. We coordinate these coverages so there's no gap between land and water.

Scheduling Your Vessels

Each owned or operated vessel should be scheduled with appropriate hull and liability limits. We help you inventory your fleet — from a 14-foot pump-out skiff to a workboat — and place P&I that fits how each is actually used.