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 type of public liability insurance specifically designed for businesses that operate in or around the marine industry.
It provides coverage for legal liability that may arise from injury to third parties or damage to their property during the course of your work. For example, if your business whether it’s electrical, plumbing, mechanical, or boat repair services causes accidental damage to a vessel, marina, or another person’s property, or if someone is injured as a result of your work, this insurance can cover the resulting legal costs and compensation claims.
In simpler terms, it protects marine trades businesses from the financial consequences of accidents or negligence that occur while performing their work in a marine environments, such as on boats, in shipyards, or at marinas.
What does Marine Liability Cover?
Marine Liability Insurance covers the legal and financial costs that arise if your business causes injury, property damage, or other losses while carrying out work in the marine environment.
Why do you need Marine Liability Insurance?
Marine Liability Insurance is essential for anyone working in or around the marine industry because standard public liability policies often exclude marine-related activities.
When you’re working on boats, in marinas, or near the water, the risks are higher. Accidents can cause significant damage to expensive vessels or injury to others, and without the right insurance, your business could face costly claims.
Having Marine Liability Insurance ensures you’re protected against these specialised risks, covering both compensation payouts and legal expenses. It not only helps safeguard your finances but also builds trust with clients and marinas, many of which require proof of marine-specific liability cover before allowing you to work on site.
How Morgan Insurance Brokers can help
At Morgan Insurance Brokers, we specialise in Marine Liability Insurance for businesses working in and around the water. We understand the unique risks that come with working on vessels, in marinas, or at shipyards.
As marine liability insurance specialists, we customised policies that protect your business for on-water work, marina operations, and vessel repairs.
We partner with multiple marine insurance providers to find the most competitive rates and the best coverage options.
We also help you meet the insurance requirements set by marinas, ports, and contractors, so you can work with confidence.
With Morgan Insurance Brokers, you get expert advice, personalised cover, and reliable protection designed specifically for the marine industry. Trust us to safeguard your business with the right Marine Liability Insurance so you can focus on what you do best: working on the water.
FAQS
Marine Trades & Contractors that we can cover are listed below, but are not limited to the below:
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Shipwrights
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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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Boat detailers and polishers
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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?
