Marine Liability Insurance
Australia’s Marine Liability Insurance Specialists
Marine Liability Insurance
Australia’s Marine Liability Insurance Specialists
What is Marine Liability Insurance?
Marine Liability Insurance is a tailored form of liability cover designed specifically for marine industry risks. Unlike standard public liability insurance, it covers the unique hazards that arise when working on or near water, such as vessels, slipways, boatyards, and marinas. It applies to trades like marine electricians, plumbers, mechanics, and other professionals servicing boats and marine infrastructure.
Key Benefits Include:
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Protection against third-party injury and property damage claims
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Cover for legal defence costs and compensation payments
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Financial security for work performed on watercraft or in marine environments
What does Marine Liability Cover?
This specialist insurance responds if your business is legally liable for loss or damage caused during marine operations. Typical coverage includes:
Why do you need Marine Liability Insurance?
Standard liability policies often exclude marine-related activities, leaving gaps in cover for businesses operating by the water. Marine Liability Insurance is critical because:
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Marine work carries higher risk for damage to expensive vessels and equipment
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Legal claims from third parties can be costly and complex
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Marinas, ports and contractors may require proof of marine-specific cover before you can work onsite
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Protects your reputation and builds client confidence in your services
If you want broader protection across risks, also consider related covers such as Public Liability Insurance, Tools & Equipment Insurance, or Professional Indemnity Insurance — which our team can tailor to your business needs.
How Morgan Insurance Brokers can help
At Morgan Insurance Brokers, we specialise in marine liability and other risk solutions for Australian businesses. We work with multiple insurers to find you:
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Competitive policy options tailored to your marine trade
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Cover that matches your operations whether on land or water
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Support meeting requirements set by marinas, ports and clients
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Expert advice on structuring insurance to protect your business long-term
Our team handles policy comparisons, placement, and ongoing support, so you can focus on running your business with confidence
FAQS
We provide Marine Liability Insurance for a wide range of marine trades and contractors working on or around vessels, marinas, and waterfront environments. Our policies are tailored to the unique risks faced by marine professionals and are not limited to the examples below:
- Boat builders
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Fibreglass repairers
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Welders and metal fabricators (marine applications)
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Painters and sandblasters (boats, hulls, and marinas)
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Upholsterers and trimmers (marine interiors and seating)
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Marine refrigeration and air-conditioning technicians
Yes, Marine Liability Insurance does cover marina work, provided your policy is specifically designed for marine trades and includes those activities. Standard public liability policies usually exclude work done on or near water, which means tasks performed in marinas, slipways, or boatyards might not be covered under a regular business insurance policy.
Many marine liability policies exclude faulty workmanship as standard, but several Australian insurers now offer a “Rectification of Faulty Workmanship” extension. This optional cover can help pay for the cost of redoing or correcting your work if it leads to property damage or injury. To understand how this applies to your business, check your policy wording carefully — or read our full guide on the topic: Does Marine Liability Insurance Cover Faulty Workmanship?
