Florida Boat Repair & Marine Mechanic Insurance

It is important for marinas and other boat-related businesses. Services covered may include painting, cleaning, refitting, boat repair, detailing, upholstery, carpentry, canvas work, electronics, engine mechanic work, fiberglass work and underwater bottom cleaning.

It is not only for boat repair shops. It also includes many mobile marine services for repair, fueling and detailing.

Packages for small marine artisan businesses begin as low as $1,500. Large businesses with many employees and customers pay more. The cost is related to your volume of business and the services you offer.

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No. Marinas may have boat repairers or mechanics employed, but boat repair insurance is generally for businesses that repair and maintain boats and yachts, not for storing, mooring or launching vessels. Marina insurance is typically more complex and can be quite a bit more expensive.

Florida requires workers’ compensation once a boat repair business has four or more employees. Owners who are corporate officers or LLC members count toward that number; sole proprietors and partners don’t, unless they choose to be covered (Florida Division of Workers’ Compensation).

Federal Longshore Act coverage applies to covered work on navigable waters and adjoining docks, piers and marine railways. Repairing recreational vessels is excluded if the workers are covered by state workers’ compensation; repair of commercial vessels generally isn’t (U.S. Department of Labor).