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In addition, our rates are even more competitive, so if you have accounts renewing or are seeing pricing increases from your current carrier, give Kerry Stuckey a call at 800-828-3452 x 14 or email him at kerry@stuckey.com. We have extremely competitive commissions, and we’d love to earn your business!
We are thrilled to celebrate 20 years in the marina insurance industry with the re-launch of our HarborGuard marina product. The HarborGuard program offers tailored liability insurance to a wide variety of marine businesses, including marinas and boat yards, boat dealers, and marine artisans including boat repair and supply shops.
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HarborGuard offers comprehensive general liability insurance tailored to the unique risks of the marine industry. The program is available to qualifying businesses with up to $5 million property value per location. Coverages include Inland & Coastal Risk, including wind coverage up to 3 to 5 miles from the coast. Minimum annual premiums for $1 million to $2 million limits start at $2,500, and minimum property coverage starts at $2,000. We can quote in-house, usually with same-day quoting.
We have worked closely with the carrier to ensure the HarborGuard program is a competitive program in today’s insurance environment. The carrier is rated A IX, non admitted. The program is very flexible, and can include replacement cost on docks, liquor liability, non-owned auto and boat rental (with some exclusions). Agent commissions start at 10%.
The marine industry has very few national carriers with rates that are competitive for local markets. Based on our extensive experience marine insurance, we are confident that HarborGuard will address the insurance needs of marinas and marine professionals who have had difficulty finding appropriate, affordable coverage in recent years.
If you are interested in writing HarborGuard policies, submission requirements include a completed HarborGuard application, a copy of the expiring premium (if possible), pictures of any docks included in coverages, and three years of loss runs for the business. If you have not worked with us in the past, you will also need to complete a brief application to become a Stuckey & Company licensed agent.
Eligible classifications:
· Marinas or boat yard
· Boat storage and moorage
· Boat dealers
· Boat rental (excluding the following rentals: jet skis, water ski equipment, para-sailing)
· Boat repair and cleaning (non commercial)
· Boat equipment & supply store
· Boat (excluding charter boats or other commercial vessels)
· Cooperative or common tenant dock or marina
· Restaurant, catering, hall rental, general store, snack bar
· Swimming pool (members and guests only)
· Camp grounds and RV parks
· Dwellings LRO
· Building or premises LRO
