Marine & Yacht
Insurance Policies
Hull coverage, P&I liability, charter boat policies, and marina property insurance — compare quotes from top-rated marine carriers.
Get a QuoteMarine Insurance Products
From personal watercraft to commercial marine operations, we structure the right program for your vessel and business.
Yacht & Luxury Vessel
Hull, machinery, and agreed value coverage for high-value vessels — from cruising yachts to mega-yachts.
Learn MoreCharter Boat Insurance
Commercial marine coverage for charter operations, fishing charters, and passenger vessels.
Learn MoreMarina & Boatyard
Property and liability protection for marinas, dry storage facilities, and marine service businesses.
Learn MoreMarine Trades
Specialized coverage for boat builders, repair facilities, and marine equipment dealers.
Learn MoreProtection & Indemnity (P&I)
Crew injury claims, pollution liability, wreck removal, and third-party liability coverage.
Learn MoreCargo & Freight
Coverage for goods and merchandise in transit over water, including loading and unloading.
Learn MorePersonal Watercraft
Insurance for jet skis, wave runners, small boats, and other recreational watercraft.
Learn MoreSalvage & Wreck Removal
Emergency towing, salvage operations, and wreck removal coverage when the unexpected happens.
Learn MoreMarine Excess / Umbrella
Additional liability protection beyond the limits of your primary marine insurance policies.
Learn MoreWhy Vessel Owners Choose SMAART
South Florida Expertise
Deep knowledge of local waterways, hurricane exposures, and the unique risks facing marine businesses and vessel owners in South Florida.
High-Value Vessel Specialists
Access to premium marine markets and underwriters who specialize in luxury yachts, mega-yachts, and high-value watercraft.
Rapid Claims Resolution
Dedicated marine claims advocacy from first notice of loss through final settlement — so you can get back on the water fast.
Learn about the unique risks facing South Florida's marine industry → Marine & Coastal Industry Overview
Get a Professional Risk Assessment
Our experts analyze your risk exposure and build a comprehensive protection strategy tailored to your business.
Frequently Asked Questions
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Free Consultation
Not sure what coverage you need?
Our licensed advisors will assess your risks and recommend the right protection — at no cost.
Call (305) 819-3675Ready to Protect Your Marine Investment?
Our marine insurance specialists are ready to build a coverage program tailored to your vessel, marina, or marine business.
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