Yacht Insurance
Coverage Built Around
How You Use Your Yacht
Owning a yacht brings unique exposures — operational, financial, and personal. We design programs that protect the asset, manage liability, and preserve continuity when something goes wrong.
From hull and machinery to loss of charter hire — every layer of your marine program, properly structured.
Our Process
Survey. Structure. Protect.
We analyze your vessel, crew profile, charter operations, and navigation patterns to build a marine program that covers every exposure — without gaps between policies.
Our advisors review your complete marine program — hull, P&I, pollution, cyber, and charter income — to ensure every coverage is properly structured, properly valued, and properly coordinated with the others.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Full marine program review and benchmarking
- Hull valuation and form analysis
- Liability tower and P&I assessment
- No obligation to proceed
Yacht Program Analysis
Program Comparison
Current Program
$190,000
Optimized Structure
$182,000
Your Yacht Program Proposal
Review your customized yacht insurance recommendations
Hull & Machinery
Current Coverage
ACV / Named Perils
Annual Premium
$148,000
Proposed Coverage
Agreed Value / All Risk
Annual Premium
$124,600
Why It Matters
Yacht insurance should protect the vessel, the operation, and the income behind it.
Standard marine programs often address hull and P&I — but leave cyber, pollution, and charter income uninsured. We build programs that cover the complete picture, with forms and limits that hold up when you actually need them.
What We Cover
Every Layer of Your Yacht Program
From hull and machinery to loss of charter hire — every exposure your vessel and operation carries, properly addressed.
Hull & Machinery
The foundation of any yacht program. Coverage should reflect construction quality, navigation patterns, maintenance standards, and how the vessel is actually used.
Coverage Includes
- Agreed Value protection
- Machinery and onboard equipment
- Navigation territory aligned to use
- Repair standards that protect quality
- Deductibles designed around risk tolerance
Protection & Indemnity
P&I addresses the real liabilities of ownership — crew injuries, passenger incidents, third-party claims, and contractual obligations — properly coordinated with hull coverage.
Coverage Includes
- Bodily injury and property damage
- Passenger and crew liability
- Contractual liability
- Defense costs and legal response
- Wreck removal liability
Pollution Liability
Pollution incidents escalate quickly and carry regulatory, financial, and reputational consequences. Coverage must respond immediately and coordinate cleanly with the rest of the marine program.
Coverage Includes
- Fuel spill and discharge response
- Cleanup and containment costs
- Regulatory and third-party claims
- OPA 90 compliance coverage
- Seamless marine program coordination
Cyber Hull
Today's yachts rely on integrated systems for navigation, communication, and operation. A cyber incident can disrupt voyages, compromise safety, and interrupt use.
Coverage Includes
- Navigation and system interference
- Data breach and loss
- Operational disruption coverage
- System recovery and restoration
- Satellite and communication systems
Loss of Charter Hire
When a yacht is out of service, expenses continue but charter income stops. Loss of Charter Hire coverage replaces lost revenue following a covered claim, maintaining cash flow during repairs.
Coverage Includes
- Lost charter income during downtime
- Extended repair timeline coverage
- Revenue continuity after a casualty
- Financial stability while offline
- Covers committed charters cancelled by repairs
Your yacht deserves a program built around how you actually use it.
No obligation. Confidential review. Built around your vessel and operations.