MARINA INSURANCE APPLICATION QUESTIONS
PREPARING FOR THE QUOTING PROCESS AND UNDERSTANDING WHAT INSURANCE COMPANIES USUALLY ASK
UNDERWRITING PREP GUIDE
PREPARING FOR THE QUOTING PROCESS
This page is for preparation intent. It should not try to function as the full marina service page or the full equipment page. Its job is to help a marina, boatyard, or waterfront operation understand the types of information insurance companies usually want before they quote.
Cleaner, more organized submissions usually produce a smoother quoting process. Incomplete or vague answers often create follow-up questions, slower turnaround, and unnecessary friction.
OPERATIONS QUESTIONS
- Describe all operations conducted at the location
- Break down revenue by fuel, storage, repair, retail, and rentals
- Is the business seasonal or year-round?
- How many years has the operation been in business?
- Any ownership changes or expansion plans?
WATERFRONT AND PROPERTY QUESTIONS
- Type of waterfront: river, lake, tidal, canal, or protected bay
- Number of slips and moorings
- Maximum vessel size accommodated
- Condition and age of docks
- Fixed docks vs floating docks
- Electrical service to docks
STORAGE QUESTIONS
- Wet slips, dry stack, indoor storage, or outdoor yard storage
- Maximum number of boats stored
- Maximum and average vessel values
- Rack height and fire protection
- Spacing between stored vessels
- Security measures in storage areas
EQUIPMENT QUESTIONS
- Travel lifts, forklifts, cranes, telehandlers, dollies, and trailers used
- Capacity and age of each major piece of equipment
- Maintenance and inspection practices
- Operator training and experience
- Ground conditions where movement occurs
FUELING AND ENVIRONMENTAL QUESTIONS
- Do you sell gasoline, diesel, or both?
- Annual gallons sold
- Fuel tank type and age
- Spill prevention and leak detection systems
- Emergency shutoff procedures
- Any prior spills or environmental incidents?
CARE, CUSTODY, AND CONTROL QUESTIONS
- Maximum value of any one vessel in your care
- Maximum total value of all vessels in your care
- Do staff move vessels?
- Are keys retained?
- Are written contracts used with customers?
WHERE TO GO NEXT
CONTACT KELLY INSURANCE GROUP
QUESTIONS, SUBMISSIONS, OR GENERAL DISCUSSION