Marine

Recreational Marine

A proprietary program offering coverage for Boat Dealers and Marinas Nationwide. With strong carrier backing, specialized claims handling, a full suite of tailored coverage, and competitive pricing, Norman-Spencer Marine is poised to become the First Choice of the Marine industry.


  • Proprietary Program
  • Admitted Product
  • A.M. Best "A+" Rated Carrier
  • All States
  • Flexible Payment Plans

Eligible Classes

  • Boat Dealers
  • Yacht Brokers
  • Boat Repair
  • Boat Rental
  • Piers, Wharves and Docks
  • Marinas
  • Marine Artisans
  • Contractors
  • Charters
  • Tugs & Barges
  • Yacht Clubs
  • Boat Manufacturers

Lines of Coverage

  • Boat Dealer Inventory Coverage
  • Piers, Wharves and Docks
  • Marina Operators Legal Liability (MOLL)
  • Protection & Indemnity (P&I)
  • Owned Watercraft
  • Property
  • General Liability
  • Commercial Auto
  • Inland Marine
  • Bumbershoot (Umbrella)
  • Crime
  • Workers Compensation
  • USL&H available in most states
  • Sudden and Accidental Pollution
  • Brokers Legal Liability

Program Features

    Shore side building contents business interruption coverage

  • Equipment breakdown coverage
  • Ordinance or law
  • Debris removal

Marine general liability coverage (MGL)

  • Products and completed operations
  • Liquor Liability

Boat dealers coverage

  • Boat Dealers Coverage Extension Endorsement (Title E&O, Engine Hour E&O, Etc.)
  • Personal Use Endorsement Available
  • No Limitation on Hauling or Delivery Mileage

Piers Docks and Wharves

  • Replacement Cost Valuation is available
  • Debris Removal ($250,000)
  • Equipment Breakdown coverage
  • Ordinance or law