Senior Living Insurance

Coverage Considerations for Marinas

Waterfront businesses face risks that extend beyond the shoreline. From damage to docks and vessels to liability involving guests and daily operations, your insurance program should reflect the full scope of your business.

Waterfront Property and Weather Exposure

Buildings, docks, and equipment face exposure to wind, hail, flooding, and other causes of physical damage that can interrupt operations.

Vessel and Customer Liability

Boat storage, handling, and marina services create liability exposures involving customers’ vessels, visitors, and property.

Business Continuity and Staff Protection

Property damage, workplace injuries, and cyber incidents can affect your ability to serve customers and maintain revenue.

Alternative Risk Solutions

Captives for PL/GL, large-deductible workers’ comp, and stop-loss for employee benefits.

Commercial Auto

Coverage for facility-owned vehicles or staff transport services.

Cyber Liability

Protects against data breaches, ransomware, and HIPAA violations with rapid response and tracking support.

Employment Practices Liability (EPLI)

Protects against allegations of discrimination, harassment, wrongful termination, and other HR-related risks.

General Liability & Professional Liability

Covers bodily injury, property damage, and malpractice claims stemming from caregiving services.

Property Insurance

Protects buildings, contents, and medical equipment from losses due to fire, storms, and other perils.

Risk Management Solutions

Uses analytics, dashboards, and best-practice training to prevent claims, identify trends, and improve defensibility in real time.

Workers’ Compensation

Supports your staff in case of workplace injuries while helping you stay compliant.

Insurance Solutions Designed for Marina Operations

Explore core protection and specialty options shaped around your operations.

TOUCH

Wet and Dry Property

Coverage for buildings, docks, and other insured property, with options addressing waterfront weather exposures.

Learn more

TOUCH

Marina Operators and General Liability

Protection for liability exposures associated with marina services, premises, and daily operations.

LEARN MORE

TOUCH

Boat Dealers and Owned Vessels

Coverage options for boat dealers, including hull coverage for owned boats and protection and indemnity.

LEARN MORE

TOUCH

Business Income and Extra Expense

Helps address lost income and additional operating expenses following covered property damage.

LEARN MORE

TOUCH

Pollution and Liquor Liability

Specialized liability options for sudden and accidental pollution events and operations involving alcohol service.

LEARN MORE

TOUCH

Excess Liability

Additional liability limits above applicable underlying coverage to help address larger covered claims.

LEARN MORE

TOUCH

Workers’ Compensation

Coverage for marina staff who experience work-related injuries or illnesses.

LEARN MORE

TOUCH

Cyber Liability

An additional coverage option to help address exposures involving business systems and sensitive information.

Learn More

Property Protection on Land and Water Wet and dry property coverage addresses physical damage to insured marina property. The WestWall Marina™ program offers agreed-value coverage for static property without a coinsurance requirement. Available property coverage includes wind and hail, flood, earthquake, and collapse. Named windstorm coverage can be added.

Marine Liability and Vessel Coverage

Marina operators liability and commercial general liability address different exposures arising from waterfront operations. Boat dealer coverage, inland marine, hull coverage for owned boats, and protection and indemnity can help round out the program based on your activities.

Business Income and Extra Expense

A covered property loss can affect more than buildings and equipment. Business income and extra expense coverage helps address the financial impact of an interruption while your operation recovers.

WestWall Marina™ Program For eligible marina operators, boat dealers, and yacht clubs, WestWall Marina™ brings property and liability protection together in a single package policy. The program is underwritten by certain underwriters at Lloyd’s.

Pollution and Liquor Liability

Sudden and accidental pollution coverage addresses a specialized waterfront exposure. Liquor liability is also available for eligible operations that serve alcohol.

Additional Operational Protection

Separate coverage options include hired and non-owned automobile liability, cyber liability, and workers’ compensation for marina staff.

Wind and Hail Deductible Options Wind and hail deductible buy-down options provide another way to structure your program around your property exposure and financial priorities.

Your Partner in Long-Term Protection

An effective insurance program starts with understanding your business and keeping pace as it changes.

Property and Operations Review

Identify the buildings, docks, vessels, equipment, and business activities that shape your coverage needs.

Coverage and Program Design

Evaluate property, marine liability, and additional coverage options based on the way your business operates.

Application Preparation

Bring together property schedules, vessel and equipment values, prior loss information, and existing insurance details to support the underwriting process.

Ongoing Coverage Review

Revisit your insurance needs as you add docks, acquire vessels, expand services, or make other operational changes.

It has been a pleasure doing business with you. I respect your integrity in an often callous business

Orthopedic SurgeonMt. Clemens, MI

I want to thank you for all your help in meeting the insurance needs for myself, partner and associates. You are professional, thorough, prompt and confidential in satisfying any issues I or my practice have required.

PediatricianRoseville, MI

Your time and consideration on our behalf is greatly appreciated, and we would not hesitate to recommend your services.

Practice ManagerSurgical Group, Macomb, MI

OMG!! You are the best!! Thank you for making our transition to a new carrier painless.

Executive DirectorNephrology Group, Southeast MI

Experience You Can Count On

Joseph O’Connor brings more than 30 years of global underwriting and executive leadership experience to WealthGuard, a Tropolis company. His specialty insurance expertise and strong market relationships help shape insurance programs around the needs of waterfront businesses.

Joseph O'Connor

Marina Insurance

The Tropolis Advantage

Coverage Considerations for Marinas

Insurance Solutions Designed for Marina Operations

Core Coverage Foundations

Specialty Coverage and Program Options

Your Partner in Long-Term Protection

Experience You Can Count On

Protect your marina today and tomorrow.