Looking for Boat Detailing Insurance?
Protect your boat detailing business from vessel damage, slip-and-fall accidents, chemical injuries, and liability claims. Harper provides insurance for mobile boat detailers, marina-based services, and yacht maintenance providers, with fast certificates accepted by marinas and yacht clubs.
What is Boat Detailing Insurance?
Boat detailing insurance protects marine service providers from risks such as damage to customer vessels, injuries on docks or decks, equipment loss, and chemical-related claims. Coverage typically includes protection for boats in your care, general marine liability, and mobile tools and equipment. Most marinas and yacht clubs require proof of insurance before allowing service providers on-site.
Who Needs Boat Detailing Insurance?
- Mobile boat detailing businesses : Businesses requiring specialized insurance coverage
- Marina-based detailing services : Businesses requiring specialized insurance coverage
- Yacht maintenance providers : Businesses requiring specialized insurance coverage
- Marine cleaning and restoration services : Businesses requiring specialized insurance coverage
Why Harper?
Boat Detailing & Marine Services Expertise
Marine detailing involves working around water, docks, chemicals, and high-value vessels. Harper understands the risks detailers face and places coverage designed for real marine service operations, not generic contractor policies.
Fast Proof for Marinas and Yacht Clubs
Marinas and yacht clubs often require specific insurance language and endorsements before granting access. Harper delivers accurate certificates quickly and assists with additional insured requirements to prevent delays.
Clear, Practical Guidance
We explain bailee’s coverage, marine liability, and equipment protection in straightforward terms so you know what protects your work, your tools, and the vessels you service.
Coverage Matched to Your Services
Whether you provide washing, waxing, polishing, ceramic coating, or interior detailing, Harper helps align coverage with your operating model and location.
Frequently Asked Questions
What insurance do boat detailers need?
Most boat detailers need bailee’s coverage for boats in their care, general or marine liability for injuries and accidents, and inland marine coverage for tools and equipment. Workers' compensation is required if you have employees.
Is boat detailing insurance required?
Yes. Most marinas and yacht clubs require liability and bailee coverage before allowing service providers to work on their property or at their docks.
How much does boat detailing insurance cost?
Costs vary by service and location. Mobile detailers may pay $800–$2,000 annually, while marina-based operations with higher volume or yacht work often charge $2,000-$5,000 or more.
Does insurance cover damage to boats?
Yes. Bailee’s coverage may apply if a boat is accidentally damaged while in your care during detailing, subject to the policy's terms and reasonable care.
Does insurance cover equipment theft?
Inland marine coverage may protect tools and equipment from theft or damage, whether at a marina, in your vehicle, or in storage.
Can I add marinas as additional insureds?
Yes. Marina agreements typically require that we be added as additional insureds, and Harper assists with certificates and endorsements for facility access.