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Marine Business Insurance FAQs

How much can I insure my vessel for?

The majority of our carriers will only provide coverage for the purchase price of the vessel, with consideration towards capital improvements in the boat. The CAPEX must be documented. We have some carriers that will provide slightly higher options provided the survey value (Market, Not Replacement) supports the limit.
Generally, assume the purchase price for quality yacht programs.

I don’t have a boat, but am looking. Can you provide a rate?

Give us a call at 843-606-5270. We are usually able to provide fairly accurate assumptions based on key pieces of information, relative to current rates. We can also run firm rates through our carriers. We are happy to do both and discuss any questions.

How quickly can I get coverage bound?

• Boats (under 27′) – Same Day
• Yachts – Generally we like 3-5 days to work all our carriers. However, we have several programs that have real time rating and binding. We can generally accommodate VERY short binding fuses.

What vessels require a survey?

• Only applies to Private Pleasure Vessels 27′ or greater and Charter Vessels – as described below.
• Private Pleasure – Carriers Vary: Most carriers require a survey if the vessel is over 10 years in age. However, we have a couple options that provide longer periods.
Program 1: No survey for vessels between 10-26 years of age that are valued under $40,000 and 40′ or less
– Continental US only
– Only Fiberglass Production Vessels
Program 2: Valuation of $60,000 or greater; won’t require a survey if the vessel is under 20 years in age.
– Worldwide Navigation

What companies do you have access to and what are their ratings?

We have access to MANY markets and only deal with carriers who have an expertise in the marine segment. All our carriers are at least “A” rated with AM best.


Where are you located?

Our office is located in Charleston, South Carolina at the City Marina.

What is Uninsured Boater Coverage?

This provides MEDICAL coverage that is required as a result of an Uninsured Boater. Damage to your vessel is protected under your Property Coverage.

How can I get a lower premium?

  1. Raise deductibles. Generally the higher the deductible, the lower the premium. Ask though, because often there is a threshold where the return becomes significantly diminished.
  2. Education. While not all carriers take this into account, those who do provide nice discounts for safety courses, training and licensing.
  3. Navigation – Dialing in your navigational territory (especially on yachts) can provide significant relief. Having a navigational limit into areas with Hurricane Exposure, without the need to travel there, can add additional load. One off short trips outside the territory can usually be handled via endorsement.

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.

Which type of insurance are you interested in?


Boats (Under 27′)

Yachts (27′ and Over)

Luxury Yachts

Commercial Vessels

Inspected Vessels

Bareboat, Rentals,
Clubs, B&B



Repair Yards


Small Business

Yacht Brokers


Marine Contactors

USL&H/Jones Act

P&P Bonds

Freight Broker

OTI Bonds

Carnet Bonds

Admiralty Bonds