Marine Insurance

Whether you're on the open water for business or for pleasure, don't let worries about the protection of your investment prevent you from enjoying the open water on your boat or watercraft.

As a full-time Texas marine insurance specialty agency, Mobile Insurance insures yachts, boats and charter fishing boats – on a national basis. This expansive reach enables us to provide our clients with broad protection at competitive rates. With emphasis on value and service, we also recognize that insurance is only as good as the treatment and service you receive, especially when you have a claim. As your claim specialists, our goal is to get you back on the water as quickly as possible.

You don’t compromise on your boat and equipment and the same should be true of your Texas marine insurance.

Adequate insurance coverage is not a luxury

It’s a necessity.  Insurance not only protects your significant financial investment in the boat, it also protects you against damage or injury claims resulting from accidents in which your boat may be involved. 

If you're in the business of boating you need an marine insurance partner that understands your business and your potential risks.

Proper boater insurance coverage is essential for protecting yourself and your customers. You will need a specialty commercial boater insurance policy if you own or manage a RENTAL BOAT OR PERSONAL WATERCRAFT business. Mobile Insurance has markets to provide you with a policy that offers maximum marine insurance protection at competitive rates. We make it our business to understand the coverage you need, so you receive maximum protection. We will counsel you on which marine insurance deductible fits you best and won’t saddle you with a deductible that’s too steep to climb. After all, one of the main reasons you have Texas boater insurance is to adequately cover a major loss.

You have greater control over the cost of your Texas marine insurance premiums than you may think.

At Mobile Insurance and Purvis Commercial, we see it as our responsibility to educate you on the variables that impact your marine insurance rates. The cost of Texas marine insurance is determined by:

• The age and type of boat
• Results of a marine survey, if necessary
• Your boating experience
• Past insurance claims
• Your automobile driving record
  

The following are just a few considerations that may offer eligibility for better Texas marine insurance premiums:

• Take boating courses that offer certificates of completion. This often results in significant discounts in your marine insurance rates.

• Keep your boat in tip-top condition – and it should look as good as it runs.
  

• With the right Texas marine insurance and the right strategies for minimizing the premium, you can enjoy both peace of mind and the satisfaction of getting a great deal.
  

• Not all boats serve the same purpose. As a result, there's not just one type of Texas marine insurance policy to adequately cover all of your potential boating needs.
  

• Keep in mind, there is a big difference between Texas “Boat Insurance” and Texas “Yacht Insurance”, often called “Marine Insurance” policies. Texas boat insurance covers trailer-able vessels that cost less and do not put in as much time on the water as larger-in-the-water cruisers, yachts, and sport fishers. Yacht insurance is designed to cover the increased value and risks of larger more valuable pleasure crafts.
  

Mobile Insurance can customize an Texas marine insurance policy that will best fit your needs making sure you have the maximum protection for your watercraft rental business.

The following are some of the things we’ll need to get you the best marine insurance value available:

• Copy of rental contract/agreement
• Copy of check on/check out procedures
• Contract showing that renters
  • may NOT trailer units off-site,
  • that Boats may be rented for personal recreation use only,
  • that the Rental operation must administer operation and boating safety instructions to all operators of rental vessels
• Boats must be fitted with USCG required safety equipment
• Overnight rentals must restrict dawn to dusk navigation 
• Operators must be at least 18 years of age

Nothing increases your security on the water like a comprehensive Texas marine insurance policy. At Mobile Insurance and Purvis Commercial, we'll show you how to obtain the best marine insurance coverage at a great price.