Marine Insurance

Coverage As Unique As Your Investment

When you choose insurance protection for your yacht, boat or personal watercraft, you want a policy that's as special as the investment it covers - one that comprehensively protects your investment while accommodating its very unique characteristics
Boat insurance jet ski insurance

Marine policies from The Stover Company, are designed to give you just that kind of protection, with the added benefit of being serviced by insurance professionals who are ocean marine specialists.

Specifically designed for today's yacht and boat owners, our policies are unlike traditional policies because they are written in plain language with all coverages clearly stated. They are also flexible enough to be customized for your particular coverage needs. Contact us for a quote.

In determining your premium, The Stover Company considers a variety of factors.

  • Size of Vessel
  • Age of Vessel
  • Hull Value
  • Area of Navigation
  • Years of Boating Experience
  • Completion of US Power Squadron or Coast Guard Safety Courses
  • Fire Protection Equipment on Vessel

Knowledge & Experience Provide Smoother Sailing

The Stover Company's knowledge, experience, and track record help provide tailored protection for your specific requirements.

Our carriers have regional offices throughout the United States. This, combined with our access to Underwriters at Lloyd's, means we have the ability to insure and service any size vessel in the world.

Our local and international presence assures expedient claims service wherever you need it.

Protection You Can Count On

The Stover Company offers "all risk" coverage on a replacement value basis, as well as actual cash value basis, depending on the age of the vessel.

We can also offer you the opportunity to include - at a very reasonable cost - various coverages and increased limits for the items listed below. These are found in virtually all our marine insurance policies.

  • Protection and Indemnity
  • Charter
  • War-Related Risks
  • Breach of Warranty
  • Crew Coverage
  • Electronic Equipment Aboard Your Vessel
  • Personal Property
  • Equipment While On Shore
  • Tender
  • Medical Payments
  • Uninsured Watercraft
  • Pollution

Ocean Marine Coverage

As part of our commitment to protect boats and yachts, we also furnish coverage for the following ocean marine exposures:

  • Personal Watercraft
  • Ocean Cargo
  • Charter Vessels
  • Hull and P & I
  • Marina Operators' and Ship Repairers' Legal Liability
  • Head Boats
  • Cruise and Excursion Vessels
  • Tugs and Barges, Including Towing Operations
  • Launches and Pilot Boats
  • Boat Dealers
  • Docks
  • Marina and Shipyard Mobile Equipment
  • Excess P & I
  • BumberShoot
  • Wharfingers Liability