B
Hull and Dinghy Coverage Rating
Hull rating begins with the vessel itself. We review the age, construction, surveyed
condition and agreed value of a hull, then look at where it keeps and where it goes. A
sheltered mooring in a well kept marina reads differently from a mooring exposed to open
fetch, and we price that difference rather than smoothing it away.
Dinghies and tenders are a frequent blind spot in hull schedules, so we schedule them
explicitly. A tender is a small vessel with a real loss exposure, especially when it is used
to carry guests or to run a line ashore, and we rate it on its own terms. Owners receive a
schedule that names each craft, its value and its survey cycle.
Where a survey identifies a repair, we do not simply decline. We rate the risk conditionally,
note the recommendation, and agree a review date so the fix becomes a condition of the policy
rather than a reason for a dispute later.
Rate a hull with the desk →
D
Marina Liability Programs
A marina places fuel, electricity, heavy lifts, floating docks and the public within a
hundred yards of each other, and every one of those elements carries its own liability. We
build programs around the berth count, the condition of the docks and the services a marina
actually performs, so the premium reflects the operation instead of a rough pier figure.
We include the contractual liability that a marina assumes when it stores, hauls or repairs a
member vessel. That is the exposure that most often reaches the operating accounts, and it is
the one most often left thin by standard markets.
Guest liability, fuel operations and storm preparation also enter the rating. We ask how the
marina secures a mooring ahead of a named storm and how it handles transient visitors,
because those answers change what the program should carry.
Build a marina program →
G
Charter Fleet Bindings
A charter hull earns only on the days it is booked, so a binding must keep pace with a booking
calendar. We bind fleets by vessel class, by the crew standard each operator maintains and by
the routes the boats actually run, then issue certificates that travel with the vessel.
Fleets change constantly. Hulls are bought, sold, chartered in and retired, and each change
is a reason to update the paper. We track additions and retirements so an operator is never
relying on a certificate that no longer matches the boat it names.
We also look at how an operator documents trips, briefs guests and sets weather limits,
because sound procedure is a strong sign of a well run fleet, and it earns recognition in the
terms we are able to offer.
Bind a charter fleet →
J
Benefits Advisory for Crews
The people aboard carry the operation, and their benefits deserve the same care as the hull.
We advise on health, accident and disability arrangements that fit how a crew is actually
employed, distinguishing between permanent, seasonal and contract hands rather than forcing
everyone into a single plan.
Enrollment is matched to payroll and to turnover. A yard that takes on six seasonal workers
in April does not need the same structure as a year round marina with a stable roster, and
we shape the advisory around that reality.
Where a crew member moves between vessels or between roles, we help keep coverage continuous,
so a change of duties does not quietly create a gap. Benefits are part of the underwriting
file, not a separate errand.
Review crew benefits →
L
Claims Navigation Support
A claim is the moment an underwriting file is tested, which is why we stay with the file
after a loss. We help a policyholder assemble survey reports, repair estimates, photographs
and crew statements, and we speak the language of adjusters so a fair claim does not stall
for want of documentation.
We do not conduct adjustment ourselves, and we do not promise an outcome. We do keep the
course clear, from the first notice of a loss to the settlement, so a policyholder is never
left alone to work out what an insurer needs next.
Because we recorded the survey notes and the ledger entry when the risk was bound, a claim
conversation starts from a known position rather than a scramble for paperwork.
Ask for claim support →
N
Renewal Soundings and Rate Reviews
Renewal is a fresh sounding, not a calendar reminder. We review the loss experience of the
past term, the current condition of the risk and the market around it, then propose terms
that reflect what has changed instead of repeating what was true a year ago.
If a better structure is available, we say so. If the risk has weakened, through deferred
maintenance or a change in use, we say that too. An honest review at renewal is far cheaper
than a contested claim later in the season.
POLICYGENIUS BGA LLC opens its winter renewal sounding window each year, and files brought
forward early are read first, so owners and operators who plan ahead hear their terms sooner.
Plan a renewal →