Yacht Insurance
Protect the Vessel —
and the Way It's Operated
Hull & Machinery coverage built around agreed value, your actual navigation territory, and repair standards that protect quality — not shortcuts.
The foundation of any yacht program. Structured to perform when it matters most.
Our Process
Value. Navigate. Repair.
We review your hull valuation, navigation territory, machinery coverage, and repair terms against real market standards — ensuring your program supports quality outcomes at loss time.
Our advisors analyze your current hull form, agreed value accuracy, navigation endorsements, and machinery coverage to identify mismatches between the policy and how the vessel is actually owned and operated.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Hull valuation and agreed value review
- Navigation territory alignment check
- Machinery and equipment gap analysis
- No obligation to proceed
Hull Program Analysis
Program Comparison
Current Program
$148,000
Optimized Structure
$124,600
Your Hull & Machinery Proposal
Review your customized hull coverage recommendations
Hull Valuation
Current Coverage
ACV / Standard Form
Annual Premium
$148,000
Proposed Coverage
Agreed Value / All Risk
Annual Premium
$124,600
Why It Matters
ACV is not coverage. Agreed Value is.
At total loss, an ACV policy pays what the insurer decides the vessel was worth — after depreciation. An Agreed Value policy pays the full insured amount. For a yacht that represents significant capital, that difference can be measured in millions.
What We Cover
Every Aspect of Hull & Machinery Coverage
From agreed value to navigation territory to repair quality — every element of your hull program, properly structured.
Agreed Value Hull Coverage
Agreed Value is the only correct valuation basis for a yacht. At total loss, you receive the full insured value — no depreciation, no negotiation, no surprises.
Coverage Includes
- Full agreed value at total loss
- No depreciation applied
- Annual inflation adjustment available
- Covers partial losses at full repair cost
Machinery & Equipment
Engines, generators, tenders, and onboard electronics are covered — ensuring that a mechanical failure or equipment loss doesn't become a coverage dispute.
Coverage Includes
- Main and auxiliary engines
- Generators and electrical systems
- Tenders and water toys
- Navigation and communication equipment
Navigation Territory
Your coverage must match how and where you actually sail. We structure navigation territories that reflect your cruising patterns — not a generic area that creates coverage gaps.
Coverage Includes
- Territory aligned to actual navigation
- Worldwide coverage available
- Seasonal territory adjustments
- Charter navigation extensions
Repair & Recovery
When a covered loss occurs, the repair process should be seamless. We structure programs that specify repair standards, preferred shipyards, and quality outcomes — not shortcuts.
Coverage Includes
- Factory-authorized or specialist yards
- Original materials and construction standards
- Survey and superintendence costs covered
- Removal, salvage, and wreck expenses
Who We Serve
Built for Serious Yacht Owners
We serve owners who understand that hull coverage is not a commodity — it's the foundation of the entire yacht program.
Sailing & Motor Yachts
Private yacht owners who want their vessel insured at its true value — with repair standards that protect the quality of what they own.
Charter Operations
Charter operators need hull programs that accommodate commercial use, crew requirements, and the additional wear that comes with operating revenue.
New Builds & Purchases
Buyers and new owners benefit from independent hull program review — ensuring the coverage placed by a broker or dealer truly serves the owner's interests.
Your vessel deserves hull coverage that holds up when it matters.
No obligation. Confidential review. Built around your yacht.