Why Boat Builders Need the Right Protection

Boat building isn’t just a trade, it’s a craft. Whether you’re constructing new vessels, restoring classics, or carrying out repairs, you’re handling expensive materials, tools, and equipment every day. One wrong move can lead to serious damage or costly claims and unfortunately, standard business insurance often doesn’t cover marine work.
That’s where Marine Liability Insurance comes in. It’s designed for professionals who work in and around the water, protecting you from the unique risks that come with building and repairing boats.

What Marine Liability Insurance Covers for Boat Builders

Marine Liability Insurance offers broad protection against the everyday risks of working on vessels and in marine environments. Common inclusions are:

• Public Liability: Covers claims if your work causes injury or property damage.
• Damage to Vessels or Equipment: Protection if you accidentally damage a boat or marina property during a job.
• Faulty Workmanship Extension: Optional cover to help rectify your work if it leads to further loss or damage.
• Products Liability: Covers materials or parts you supply that later cause damage or injury.
• Legal Costs: Pays for your defence and legal representation if you face a claim.

With the right policy, you’re covered whether you’re working in your workshop, on a slipway, or at a marina.

Why Public Liability Alone Isn’t Enough

Most standard Public Liability policies exclude marine activities, meaning if you’re working on or near the water, you could be unprotected.
If, for example, a freshly built vessel is damaged during a launch, or a client trips while visiting your workshop, a general business policy might not respond. Marine Liability Insurance fills that gap, offering proper coverage for both land-based and on-water operations.
Many marinas and shipyards also require contractors to hold marine-specific insurance before they’re allowed on site, so having the right policy is essential.

Other Insurance Options for Boat Builders

Building boats involves a lot more than timber and fibreglass, it’s your tools, your vehicles, and your income that keep your business afloat. Morgan Insurance Brokers can help you build a complete protection package, including:

• Tools & Equipment Insurance – for theft or accidental damage to your essential gear.
• Commercial Vehicle Insurance – covering vans, utes, and vehicles used for transporting materials.
• Stock & Materials Cover – protecting high-value materials like wood, resins, or fittings stored at your premises.
• Income Protection – replacing lost income if injury or illness stops you from working.
• Professional Indemnity – for builders who design or advise on vessel construction.
• Combining these with your Marine Liability policy ensures you’re protected from every angle.

How Morgan Insurance Brokers Support Boat Builders

At Morgan Insurance Brokers, we know marine trades inside and out. We work with leading Australian marine insurers to tailor coverage specifically for boat builders and shipwrights.

Here’s how we help:

• Tailored Cover: Customised policies based on your specific work, from construction to restoration.
• Access to Trusted Insurers: Partnerships with marine-focused underwriters like Nautilus, Proteus, Quay Marine etc.
• Competitive Pricing: We compare multiple quotes to get you the best value.
• Hands-On Claims Support: We manage the claim process and advocate for your business every step of the way.
• With Morgan Insurance Brokers, you can focus on building exceptional boats while we focus on protecting your business.

Secure Your Marine Liability Insurance Today

If you’re a boat builder in Australia, having the right Marine Liability Insurance can protect your business from costly mistakes and unforeseen risks.
Get in touch with Morgan Insurance Brokers today for expert advice and a tailored insurance quote.