Commercial marine is its own world: hull coverage for the vessel, protection and indemnity (P&I) for crew and passenger liability, pollution, and the certificate and endorsement requirements that come from docks, ports and the people who book you. Underwriters want detail — captain's credentials, passenger counts, routes, maintenance — and they want it described correctly.
Ricardo's background is in running a business with equipment and crew, not in an insurance back office. He translates what your operation does into what the underwriter needs, and he does it in English or Spanish.
Who this is for
- Six-pack and inspected charter fishing operations
- Inshore and backcountry guides
- Dive, snorkel and eco-tour boats
- Sightseeing, sunset cruise and water-taxi operators
- Towing and salvage operators
- Small commercial workboats, barges and marine contractors
What this coverage typically addresses
Hull & machinery
Physical damage to the vessel, engines and attached equipment.
Protection & indemnity (P&I)
Liability for passengers, crew, collision, wreck removal and related exposures.
Passenger liability
Injury claims from paying passengers — the coverage docks and booking platforms ask about first.
Pollution liability
Fuel spills and cleanup, where required by your operation or port.
Crew coverage / Jones Act referrals
Where you have crew, Ricardo will flag the right approach.
Equipment & gear
Rods, dive equipment, electronics and specialty gear.
What Ricardo will ask you for
Have these ready and the quote goes smoother. Don't have everything? Call anyway — Ricardo will tell you what actually matters for your situation.
- Vessel details: year, make, length, value, hull ID
- Captain's license (OUPV / Master) and years of experience
- Type of operation, passenger capacity and typical routes
- Where the vessel is kept and operated from
- Crew count, if any
- Current coverage, claims history and any dock or port insurance requirements
Describing your operation correctly is half the premium
A guide running inshore with four anglers is not a 30-passenger sunset cruise, and neither of them is a towing company. Marine underwriters price on precisely those distinctions. Ricardo's job is to describe your operation accurately — not rounded up into a riskier class, not rounded down into something a claim can be denied on.
You'll also get the certificate your marina, dock or booking platform requires, with the wording they'll accept.
Common questions
I'm a licensed captain with one boat. Do I need commercial coverage?
If you take paying passengers, yes. Recreational policies typically exclude commercial use, so a claim during a charter can be denied outright.
What is P&I?
Protection and indemnity — the marine version of liability. It covers injury to passengers and crew, damage to other vessels and property, wreck removal and similar exposures.
Can you write a six-pack charter?
Yes, where carriers offer it. Ricardo will need the captain's credential, vessel details and operating area.
Does commercial marine cover my truck and trailer?
No — that's commercial auto. Ricardo can quote both together.
Is service available in Spanish?
Yes, from the first call through certificates and claims guidance.
Coverage availability, eligibility and pricing vary by carrier and are subject to underwriting. Nothing on this page guarantees a premium, savings, approval or coverage.