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2 years ago · by · 0 comments

Operating a Boat Bed & Breakfast

The rise of AirBnB has made the idea of operating a bed and breakfast more appealing to people around the world, and there’s lots of creativity out there. A boat bed and breakfast, for instance, is just like a normal bed and breakfast, except it’s located on a boat instead of in a small, quaint building! Operating a boat bed and breakfast can be a wonderful and rewarding experience, but there can be some unique challenges to getting your business operating full steam ahead. Here are some great tips to get you started on your way to boat bed and breakfast paradise.

Obtain Licenses and File Necessary Paperwork

The legal operation of a bed and breakfast, first and foremost, requires all required licenses and paperwork to be obtained and filed. This can include conditional use and sign permits, business licenses, business name and/or DBA registration, federal and state tax ID, certificate of occupancy, ServSafe food certification, liquor license, fire department inspection, health department inspection, and a number of other requirements. Obtaining all of these licenses and filing all of this paperwork can be a bit tedious. But once it’s done, you will be free to begin running your boat bed and breakfast!

For insurance purposes, there needs to be a formal rental agreement between the occupants and owner, documented and thorough vetting procedures, and an emergency contact near the vessel.

Prepare the Vessel

Preparing the vessel that your boat bed and breakfast will exist on is incredibly important. To do this, you will have to first select the right vessel and make sure it is docked at a safe and easy to reach place. Then you’ll need to make sure it is ready for guests, which can include stocking the boat with adequate living provisions as well as safety equipment.

Once your boat bed and breakfast is in operation, all of the supplies need to be there, and the boat needs to be clean and in perfect working order. Don’t rely on the novelty of the boat to provide a quality customer experience. Treat your guests as you would if you were operating a hotel or normal bed and breakfast. Otherwise, you could experience problems and get negative reviews.

There needs to be thorough check-in process as well to ensure your safety and the safety of your guests.

Hire a Great Staff

The amount of staff members needed for your boat bed and breakfast can vary significantly from boat to boat. However, you may need to hire a captain, a chef, a wait staff, a manager, etc. The size of your operation will heavily dictate the amount of staff that you need. If you’re simply renting out the cabin of your small craft for people to stay in overnight, you likely won’t need much of a staff.

Unless you are running the entire operation yourself, however, you are going to need at least one or two staff members. Just as with any other business, a great team is essential for success. So, when you are hiring people, make sure to hire qualified candidates who are capable of performing the job well.

Protect Your Business & Investment with Quality Boat Insurance

While setting up a boat bed and breakfast can be a wonderful experience that can help you to generate income while providing something that is fun and exciting, it is critical you contact an agent who knows the ins & outs of this business.  General “Charter” boat policies will exclude coverage if crew is not on board which could leave you without coverage in the event of a claim.  It is also important to understand the marina requirements and coverage limits.  For instance most marinas will require you to add them as additional insured, and many B&B policies will not extend coverage onto the docks without getting a Premise Liability Extension. There are only a few carriers writing B&B risks, and the underwriting guidelines are pretty specific. Working with someone who knows the markets and can prepare the best package to submit will allow you to get the right coverage and ensure your business is properly insured.

Call our experienced marine insurance agents today to protect your boat bed and breakfast!





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Company Information

Maritime Insurance International
3 Lockwood Drive
Suite 302A
Charleston, SC 29401

Mystic, CT Office:
P.O. Box 30
West Mystic, CT 06388-0030

Annapolis, MD Office:
P.O. Box 3505
Annapolis, MD 21403

Contact Details

Phone: 843.606.5270
Fax: 888.482.6844

Monday - Friday: 9:00am - 5:00pm


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Professional, & courteous every time we've spoken. I would highly recommend ​t​his agency for boat insurance.
Carol P.
Very helpful and easy to work with.
Kevin D.
Excellent and prompt service.
Bruce B.
Terrific custom service and extremely well informed.
Amy D.
Nick does a great job, very responsive service, good products.
Charles C.
Great people, prompt service and they know their policies.
Banff L.
Been with this company since 2011, had one claim and it was settled to my satisfaction very promptly, never had any type of problem. I would highly recommend them based on the service I have gotten from them.
Barry B.
Nick McGinty & his team are top notch. Friendly, responsive, knowledgeable...Recently had an issue that was resolved quickly. They insure both my vessels and highly recommend them.
Great service, great prices and flexible pay plans
Alan B.
Easy to do business with. Knowledgeable, and good price comparisons.
Lawrence L.
The personal service and contacts I have with Maritime Insurance make me appreciate their "product" so much more than just sending my premium to some P.O. Box! Good people standing behind their service! Sincerely, Ken Byrd Pres. Charleston Yacht Carpentry Inc.
Ken B.
I have just bought my first big boat! This is a process that requires people who know what needs to happen and helped me to get it done. Insurance is something that we hope never to need but offsetting the risk in a big purchase ...
Patrick M.
MII has been responsive, prompt in follow-up and competitive in cost quotes. Am pleased with their customer service and already have suggested to a colleague to pursue their services.
Dann L.
This company makes super yacht insurance look easy. Very knowledgeable on vessels over 400 GT and they never miss an email. On my size vessel, there is no reason to shop around. Its the relationship with your agent that is imperative and must be seamless.
Tess R.
Maritime's entire team has always been outstanding!
Rich M.
The Maritime office is excellent. Nicky and Angie always send reminders and are extremely friendly and helpful.
Nicholas H.
Maritime has always been very helpful and user friendly. We contact a lot via email and phone and always get a prompt response. Mahalo!
W. "Kainoa" H.
Maritime agent Garrison Rudisill has been great to work with. He was a tremendous help with our hurricane Matthew claim.
Donna P.
Garrison has been very responsive and was always available and helpful.
Frank H.
Angie Fessler at the Maritime office went above and beyond to find us a policy to fit our event schedule. She is a blessing and we will be using you guys again this year.
Susan & Chris L.
I've never had a problem with this insurance and the price was great as well. My local guy, Garrison Rudisill, always answers my questions and helps me with anything I need.
Shin M.
My experience has been very professional and pleasant. They provided me with what I needed.
David S.
Maritime Insurance was very helpful in insuring our first larger vessel. The staff are very knowledgeable!
Joe S.
Working with these folks has been a real pleasure. They are knowledgeable, friendly and responsive. Easy to do business with.
Normand & Paula R.
NICK'S a stand up guy. He explains your coverage in English not in insurance jargon. Very responsive and easily accessible by telephone and via email.
Clay W.
Since day one, they have been there for us and on one particular day we needed them the most, they were there. We enjoy our relationship with the Charleston Team.
Eric R.
I had a serious claim in 2015 while cruising in the Turks & Caicos islands and I got the very best of service even though I was in another country. They stood behind me while my boat was repaired. It doesn't get any better than ...
Paul M.
This is one of the most responsive, helpful companies I have ever felt with. My calls and questions have always been returned with faster than average turnaround. Extremely helpful. Have always met my expectations. I recommend Nick McGinty and this company to all my friends.
Eric B.
Maritime was right on top of my claim and was extremely helpful in participating in getting the correct documents and professionals to back up my claim. Excellent company!!
Steve W.
They helped me with my claim and they always try to get me the best quote highly recommend.
Steve P.
Nick McGinty and his team are top notch people who understand their customers needs and provide quality insurance products in an efficient timely manner.
David F.
They have exceeded all my expectations. We have multiple policies on several properties, prior to insuring through Maritime insurance this was a nightmare keeping track of things, with Nick and crew its a snap. Its like having a full time person on our staff just ...
Garrison R. has been fantastic to work with and is an asset to the company!
Tyler S.
Very knowledgeable staff who answered all my questions and the rates I received were far superior to anyone else's.
Brian N.
Very responsive, honest and customer service driven. I was surprisingly impressed and my expectations were exceeded.
Jim T.
Thank you Nick for ALWAYS being on the ball. You guys are great!
Thornton L.
I called insurance companies on a Friday to see who would be most helpful and responsive. Maritime Insurance was the ONLY company ready and willing to take information and prepare a quote. The customer service alone was worth using the company.
Andy D.
Fast prompt service, no hassles.
Bill B.
Great initial coverage policy and excellent follow-up skills for renewal...
Michael H.
Has an awareness of the struggles of a small marine service company.. Did a great job finding affordable policy for our specific needs. Great communication and stays on top of my account concerns.
William W.
Found you on internet. Nick McGintry and Nicky have exceeded my expectations. It's as great genuine and heart felt as the Four Seasons staff. And you were competitive.
Susan A.