Marine Liability

Does Marine Liability Insurance cover faulty workmanship?

Understanding Faulty Workmanship Cover in Marine Liability Policies

Marine trades face a constant risk of things not going perfectly to plan. A small mistake, such as a loose fitting or incorrect installation, can cause expensive damage.

Many standard Marine Liability Insurance policies exclude faulty workmanship. That means if your work needs to be redone due to an error, the cost to fix your own mistake is typically not covered.

Some insurers offer a “Rectification of Faulty Workmanship” extension, a valuable cover for the costs of re-performing or correcting defective work if it leads to property damage or injury.

What the Policy Wording Says

Australian marine insurers vary in how they treat faulty workmanship:

• Proteus Insurance includes a Rectification of Faulty Workmanship Extension, which overrides the standard exclusion and provides cover up to a sub-limit.
• Nautilus Marine’s Marine Trades Liability policy also offers similar protection, covering certain costs to re-perform work with insurer approval.
• Trident and Berkley Insurance follow similar wording, where the extension applies only if the faulty work has resulted in third-party loss or damage.

In short: Marine Liability Insurance doesn’t automatically cover faulty workmanship, but it can if this specific extension is included in your policy.

What’s Typically Not Covered

It’s important to know where the line is drawn. Marine insurers generally won’t pay for:

• The cost to redo your own work if there was no resulting damage or injury.
• Claims for poor design, advice, or specification (these may require Professional Indemnity Insurance).
• Any work performed outside the scope declared in your policy.

That’s why reading your policy wording carefully and knowing what’s included is critical.

How Morgan Insurance Brokers Can Help

At Morgan Insurance Brokers, we understand that marine work is complex and so are the risks. Our team specialises in Marine Liability Insurance for trades and professionals working on or around the water, including electricians, plumbers, engineers, and boat repairers.

Here’s how we can assist you:

• Policy Review & Advice: We’ll review your current policy wording to see whether it includes a faulty workmanship or rectification extension and explain exactly what it means for your business.
• Access to Specialist Insurers: We work directly with Australia’s leading marine insurers, such as Nautilus, Proteus, and Trident, to secure policies that fit your trade.
• Tailored Coverage: We’ll recommend additional protection if needed, like Professional Indemnity, Tools & Equipment, or Income Protection ensuring you’re covered from every angle.
• Claims Assistance: If something goes wrong, we’ll handle the claim for you, liaising with the insurer to achieve the best possible outcome.

With Morgan Insurance Brokers, you get more than a policy you get a team that genuinely understands marine industry risks and works to protect your livelihood.

Final Thoughts

While many Marine Liability Insurance policies exclude faulty workmanship, adding the right extensions can make a big difference. Having an experienced broker on your side ensures you know exactly where your cover starts, and where it stops.

If you’re unsure whether your policy covers faulty workmanship, or you’d like to review your marine insurance options, Morgan Insurance Brokers can help.

by lauren

Marine Liability Insurance for Marine Engineers

Why Marine Engineers Need the Right Insurance

As a marine engineer, your job is all about precision and responsibility. Whether you’re servicing propulsion systems, inspecting fuel lines, or troubleshooting electrical faults on a vessel, you’re often working in environments where the stakes are high — both financially and physically.

A simple mistake, like a loose fitting or wiring fault, could lead to costly damage, downtime, or even safety hazards. Unfortunately, most standard business insurance policies don’t cover work carried out on or near the water.

That’s where Marine Liability Insurance steps in. It’s designed specifically for marine professionals like you — giving you peace of mind that if something goes wrong, your business is protected.

What Does Marine Liability Insurance Cover?

Marine Liability Insurance covers the risks unique to marine engineering work, whether you operate from a marina, workshop, or onboard vessels. Typical cover includes:

• Public Liability: Protection if your work accidentally causes injury or damage to someone else’s property.
• Damage to Vessels: Covers accidental damage to boats, engines, or onboard systems while carrying out maintenance or testing.
• Products Liability: Protects you if supplied components or equipment later cause loss or damage.
• Legal Defence Costs: Covers legal fees and expenses if you’re faced with a liability claim.

This kind of insurance ensures you can keep doing your work even when the unexpected happens.

Why Public Liability Alone Isn’t Enough

Standard Public Liability Insurance is designed for land-based businesses and typically excludes marine activities. If you’re working on vessels, docks, or within marinas, your work likely falls outside the scope of general cover.

Marine Liability Insurance fills this gap by covering both on-water and dockside work, including maintenance, installation, and testing of mechanical systems. Many marinas and contractors will also require proof of marine-specific liability cover before allowing access to site, making it a must-have for compliance as well as protection.

Add-On Covers Marine Engineers Should Consider

Marine engineers often use expensive, specialised equipment and rely on their tools and transport to get the job done. A well-rounded insurance package should include:

• Tools & Equipment Cover: Protection if your diagnostic tools, instruments, or machinery are stolen or damaged.
• Commercial Motor Insurance: Covers your work van or service vehicle used to transport tools and parts.
• Income Protection: Pays a regular income if illness or injury keeps you from working.
• Professional Indemnity Insurance: Protects you if you give technical advice, consultation, or design work that leads to a claim.
• Workshop or Business Property Cover: For those who have a base of operations, covering machinery, stock, and contents.

Together, these policies help safeguard every aspect of your business from your livelihood to your equipment.

How Morgan Insurance Brokers Help Marine Engineers

At Morgan Insurance Brokers, we specialise in Marine Trades Insurance and understand the risks faced by marine engineers. Our team helps you find the right coverage for your business, no matter where or how you work.

Here’s how we make it easier:

• Tailored Solutions: We take the time to understand your work environment and find policies that truly fit your needs.
• Access to Trusted Insurers: We work with leading marine insurance providers who know your industry.
• Competitive Quotes: We compare multiple options to get the best combination of price and coverage.
• Hands-On Claims Support: If something goes wrong, we’ll manage the claim on your behalf — so you can focus on your work, not paperwork.

When you partner with Morgan Insurance Brokers, you’re working with people who genuinely understand marine trades and what’s at stake.

Protect Your Marine Engineering Business Today

Don’t leave your livelihood exposed to the risks of working in or around the water.

Contact Morgan Insurance Brokers today for expert advice on Marine Liability Insurance and tailored coverage for marine engineers.

by lauren

Marine Liability Insurance for Mechanics

Why Marine Mechanics Need Specialist Insurance

If you’re a marine mechanic, your work often takes you into some risky and unpredictable environments, onboard boats, at marinas, or in shipyards. Whether you’re repairing inboard or outboard motors, installing fuel systems, or performing general servicing, you’re dealing with high-value assets in confined spaces where accidents can happen fast.

Most general business insurance policies don’t cover marine-related work. If you damage a vessel during repairs or someone is injured as a result of your work, a regular Public Liability policy will likely exclude that claim.

That’s why you need Marine Liability Insurance, it’s purpose-built to protect marine mechanics and trades working in and around the water.

What Does Marine Liability Insurance Cover for Mechanics?

Marine Liability Insurance provides protection for legal and financial liabilities arising from your marine mechanical work. It ensures you’re covered if your services, tools, or parts cause injury, property damage, or other financial loss.

Typical coverage includes:

• Public Liability: Covers third-party injury or property damage caused by your work.
• Damage to Vessels or Equipment: If you accidentally damage a client’s boat, engine, or onboard systems during servicing or testing.
• Faulty Work or Product Claims: Protection if an installation or repair later causes a mechanical failure or loss.
• Products Liability: Covers supplied or fitted parts that later fail or cause damage.
• Legal Defence Costs: Pays for your legal representation in the event of a claim or investigation.

With Marine Liability Insurance, you can take on jobs with confidence, knowing your business is covered whether you’re working at a marina, dockside, or directly on the water.

Is Public Liability Insurance Enough for Marine Mechanics?

In most cases, no.

A standard Public Liability policy generally covers land-based mechanical work but will exclude any activities on or near water. If you’re servicing boats, testing engines on the water, or working in marinas, that exclusion could leave you unprotected.

Marine Liability Insurance closes this gap, ensuring your work is covered where it matters most. Many marinas, boatyards, and marine contractors also require proof of marine-specific insurance before you can begin work so having the right policy isn’t just smart, it’s essential.

Additional Insurance Options for Marine Mechanics

To fully protect your livelihood, it’s important to think beyond just liability. Morgan Insurance Brokers can arrange a complete insurance package for marine mechanics, including:

• Tools and Equipment Insurance: Covers theft or accidental damage to your tools, diagnostic gear, and portable equipment.
• Commercial Motor Vehicle Insurance: Protects your work ute, van, or service vehicle used for mobile jobs and towing boats.
• Income Protection Insurance: Income Protection Insurance Provides financial support if you’re unable to work due to illness or injury, crucial for self-employed mechanics.
• Business Interruption Cover: Helps replace lost income if your operations are disrupted by an insured event.
• Property and Workshop Cover: Protection for your premises, contents, and equipment if you operate from a fixed location.

Having these covers in place ensures you’re protected on every level from your income to your tools, and from your liability to your business assets.

How Morgan Insurance Brokers Support Marine Mechanics

At Morgan Insurance Brokers, we’re experts in Marine Trades Insurance. We understand the challenges faced by marine mechanics and can help you secure the right mix of coverage at competitive rates.

Here’s how we help:

• Tailored Cover: We’ll assess your work environment and customise your Marine Liability and business insurance package.
• Access to Specialist Insurers: We work with Australia’s top marine insurance providers who understand your trade.
• Compliance Support: We ensure your policy meets the insurance requirements of marinas and contractors.
• Claims Assistance: If something goes wrong, we handle the entire claims process so you can get back to work faster.

With Morgan Insurance Brokers, you’ll have a partner who knows the marine industry inside out, helping you protect your reputation, assets, and livelihood.

Get a Quote for Marine Liability Insurance

If you’re a marine mechanic working anywhere in Australia, don’t risk being uninsured for the work you do on or around the water.

Talk to Morgan Insurance Brokers today about Marine Liability Insurance and the additional covers that can protect your tools, vehicles, and income.

by lauren

Marine Liability Insurance for Plumbers

Why Marine Plumbers Need Specialist Insurance

As a marine plumber, your job often takes you into some challenging environments, onboard boats, floating pontoons, marinas, or shipyards. You deal with complex systems like sanitation, water supply, bilge, and waste management and even a small mistake can cause major damage.

Most general Public Liability Insurance policies exclude marine work, leaving plumbers who operate around the water exposed. If a fitting leaks, a hose bursts, or an installation fault causes flooding on a vessel, you could be held liable for thousands in repairs or clean-up costs.

That’s why Marine Liability Insurance is essential it’s built specifically to protect plumbers working in marine environments from the risks that standard business insurance doesn’t cover.

What Marine Liability Insurance Covers for Marine Plumbing

Marine Liability Insurance helps safeguard your business if your work causes property damage, injury, or financial loss to others while you’re carrying out marine plumbing work.

Common areas of cover include:

• Public Liability: Protection if your work causes accidental injury or property damage.
• Damage to Vessels or Marinas: Covers incidents like flooding or damage to onboard systems caused during repairs or installations.
• Products Liability: Covers supplied or fitted components that cause future damage or contamination.
• Legal Defence Costs: Pays for the cost of defending yourself against liability claims or investigations.

With the right marine-specific policy in place, you’re protected whether you’re installing water systems on yachts, repairing waste systems in marinas, or maintaining pipes on commercial vessels.

Is Public Liability Insurance Enough for Marine Plumbers?

Unfortunately, most standard Public Liability policies do not cover marine-related work. They often exclude anything performed “on or near water,” which means you’re unprotected if you’re working on boats, pontoons, or jetties.

Marine Liability Insurance closes that gap ensuring your plumbing business has the right protection no matter where the job takes you. It’s also a requirement for many marinas and boatyards, which often won’t let you start work without a valid certificate of marine-specific insurance.

Other Important Insurances for Marine Plumbers

While Marine Liability is crucial, it’s not the only cover your marine plumbing business should consider. To protect your income and tools, the backbone of your trade, you might also need:

• Tools and Equipment Insurance: Covers theft, loss, or damage to your tools, whether they’re on-site, in your van, or at home.
• Commercial Motor Vehicle Insurance: Protects your van or work vehicle used for transporting tools and equipment between jobs.
• Income Protection Insurance: Provides a regular income if you’re injured or too sick to work particularly important for self-employed plumbers.

Bundling these policies with your Marine Liability Insurance ensures full protection for both your work and livelihood.

How Morgan Insurance Brokers Help Marine Plumbers Get Covered

At Morgan Insurance Brokers, we understand that no two marine trades are the same. Our experienced brokers know the ins and outs of Marine Liability Insurance and work directly with Australia’s leading marine insurers to find the right protection for your business.

Here’s how we help marine plumbers:

• Tailored Coverage: We find policies that suit your specific work — from onboard plumbing to marina maintenance.
• Access to Specialist Insurers: We deal with underwriters who understand the marine sector and provide fair, comprehensive cover.
• Competitive Pricing: We compare multiple quotes to secure value-for-money protection without cutting corners.
• Claims Advocacy: If something goes wrong, we handle the entire claims process for you ensuring you get the support you deserve.
• Additional Cover Options: We can package your Marine Liability policy with tool, vehicle, and income protection insurance for complete peace of mind.

Protect Your Marine Plumbing Business Today

If you’re a marine plumber working in Australia, make sure you’re covered for every aspect of your work both on land and on the water.

Morgan Insurance Brokers can help you find the right mix of protection, tailored to your trade.

by lauren

Marine Liability Insurance for Electricians

Do Marine Electricians Need Special Insurance?

Yes, marine electricians absolutely need specialised insurance.

Working on or around boats, marinas, and shipyards comes with risks that aren’t covered under standard Public Liability policies. Many general liability insurers specifically exclude marine-related activities, meaning that if you cause damage to a vessel or injury to someone while working on the water, your normal business policy may not respond.

That’s where Marine Liability Insurance comes in. It’s designed specifically for electricians and other contractors who work within the marine environment.

What Does Marine Liability Insurance Cover for Marine Electrical Work?

Marine Liability Insurance provides cover for claims that arise from your work as a marine electrician, whether you’re installing navigation systems, repairing wiring, or maintaining electrical components on a vessel or in a marina.

It can include protection for:

• Public Liability: Covers injury to third parties or damage to their property while carrying out electrical work.

• Damage to Vessels or Marinas: If your work accidentally damages a client’s boat, its electrical systems, or marina infrastructure.

• Faulty Work Claims: Covers your liability if an electrical fault causes further loss or damage after completion of your job.

• Products Liability: If the electrical parts or components you install later cause an incident.

• Legal Defence Costs: Covers the cost of defending a claim or investigation arising from your work.

Marine Liability Insurance gives marine electricians peace of mind that they’re covered for the unique risks that come with working in or around the water.

Does Public Liability Insurance Cover Electrical Work on Boats?

In most cases, no.

A typical Public Liability policy often includes marine exclusions. That means if you carry out electrical work on a vessel, in a marina, or anywhere connected to marine operations, your claim could be rejected.

Marine Liability Insurance bridges this gap ensuring you’re covered for both land and water-based work. This is especially important if you work across different environments, such as:

• Boatyards and shipyards

• Marinas and slipways

• Onboard vessels (private or commercial)

• Dockside or floating pontoons

Having the correct policy in place also helps you meet marina or contractor requirements, as many sites require proof of marine-specific liability cover before you can start work.

How Morgan Insurance Brokers Help Marine Electricians Get the Right Cover

At Morgan Insurance Brokers, we specialise in Marine Liability Insurance for trades working on or around the water, including electricians.

Here’s how we can help:

• Tailored Cover: We assess the nature of your work and recommend policies that include all relevant marine activities.

• Access to Specialist Insurers: We work with leading Australian marine insurers who understand the industry and offer suitable protection.

• Compliance Assistance: We help ensure your insurance meets the requirements of marinas, ports, and contractors.

• Claims Support: If something goes wrong, we’ll manage and advocate for your claim from start to finish.

With our expertise, you can focus on your work, while we make sure you’re fully protected.

Get a Quote for Marine Liability Insurance

If you’re a marine electrician working in Australia, having the right Marine Liability Insurance is essential to protect your business.

Contact Morgan Insurance Brokers today for personalised advice and a competitive quote.

Get a Quote

by lauren