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What type of boat dealerships is this coverage right for?

The boat dealer insurance program is designed for boat dealers that are located away from the water and that will occasionally operate watercraft on non-navigable inland waterways.

Types of boat dealer insurance

Your boat dealer insurance policy can include a variety of individual coverages, including:

Business Auto Insurance for Boat Dealers

Commercial auto insurance helps cover company vehicles driven by your employees and provides protection in case of an accident.

For example, if your employee accidently causes a rear-end collision while driving a company vehicle, auto insurance would help cover the costs.

Cyber Liability Insurance for Boat Dealers

Cyber insurance helps your dealership recover from a data breach by helping cover the costs of:

  • Computer software restoration
  • Data recovery
  • Defense and liability
  • Identity recovery for key individuals within your organization
  • Response efforts
  • Third-party liability protection

Essential Property Insurance for Boat Dealers

Property insurance helps protect your dealership’s buildings, boat inventory and other property against physical damage.

For example, if your showroom is damaged due to a fire, property insurance would help cover it.

General Liability Insurance for Boat Dealers

General liability insurance protects your dealership from liability exposures such as injuries, faulty work or damage to a customer’s property.

For example, if a customer were to slip and fall while viewing your inventory, general liability would help cover the costs.

Umbrella Coverage

Umbrella insurance provides your business with additional security in the event of an expensive liability claim that would otherwise exceed your coverage limits.

Workers’ Compensation Insurance

Workers' Compensation insurance covers medical expenses and compensation for workers who get injured while on the job (available in select states).

For example, if an employee hurts their back while lifting a piece of equipment, workers’ compensation insurance would help cover the costs.

How much is boat dealer insurance?

The cost of your boat dealer insurance can vary depending on the size of your business and the type of services you provide. EMC can customize your marine dealer insurance program so it works for you. Contact a local independent agent and ask about EMC’s Boat Dealer Insurance Program.

Safety and loss control resources for boat dealers

EMC has provided loss control services for our policyholders since 1926. Our experienced loss control professionals can give you suggestions and solutions that can lessen your risks.

Ergonomic Evaluations* to identify ergonomic issues before losses occur. We also offer online resources to help you spot problems and educate your employees.

Hazard Control Assessments to identify hazards that pose the greatest potential safety risks to your operations. We then recommend viable solutions to control or reduce these risks.

Injury Management Programs** to help reduce the impact of injuries, including select provider, return to work, prework screening and worksite wellness programs.

Slip and Fall Prevention to help you develop a proactive approach to reducing these incidents at your jobsite. We also offer many online resources to help prevent slips and falls–a leading cause of workplace injuries.

Online Safety Training to give your employees convenient access to short training segments, complete with quizzes to check for understanding. You can register, assign training and track your employees’ training progress through our easy-to-use online training system.

Visit the Loss Control page to learn more and access our extensive collection of online safety resources.