Questions About Marine Insurance?
Talk with Harper Kranz about your vessels, marine facilities, maritime operations, liability exposures, or other marine insurance needs and explore coverage solutions built around your operation.
Insurance Built Around Marine Operations
Commercial marine operations can involve a combination of vessel, property, cargo, liability, environmental and operational exposures. The insurance program protecting those operations should reflect how the business actually works rather than relying on a one-size-fits-all approach.
Harper Kranz works with commercial vessel owners, marine facilities, contractors and maritime businesses to understand their operations, identify important exposures and explore insurance solutions designed around their individual risks and coverage needs.
Through Tidewater Insurance Agency, Harper helps clients evaluate protection for commercial vessels, marine facilities, property, equipment, cargo and liability exposures while considering how the different pieces of a marine insurance program work together.
Specialized Coverage for Complex Marine Risks
Marine insurance needs can extend well beyond the vessel itself. Depending on the operation, an insurance program may need to address physical damage, marine liabilities, waterfront facilities, cargo, pollution exposures and higher liability limits.
Commercial Vessel Hull & P&I
Physical damage and liability coverage for barges, tugs, workboats, crew and supply boats, and other commercial vessels.
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Commercial Marine Facilities
Insurance considerations for ship repairers, stevedores, wharfingers, terminal operators and other waterfront and marine-related operations.
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Pollution Liability
Specialized coverage addressing pollution exposures associated with vessels, marine contractors, ship and repair yards, and related operations.
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Excess / Bumbershoot
Additional liability limits over applicable underlying coverages for marine and non-marine clients requiring greater levels of liability protection.
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Inland Marine / Property
Coverage considerations for equipment, property, cargo, builder's risk, structures, contents and other property exposures connected to commercial operations.
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Self-Insured Programs
Retention and deductible structures for appropriate complex risks designed to support disciplined loss control while helping manage insurance costs.
Explore Self-Insured Programs →A Marine Insurance Program Has to Reflect the Operation
Two marine businesses may operate in the same region and still have very different insurance needs. Vessel type, contractual obligations, work performed, property, equipment, employees, cargo and environmental exposures can all influence the structure of an insurance program.
Vessels & Operations
Commercial vessels can present both physical damage and liability exposures. Vessel type, use, operating territory and the work being performed are important considerations when evaluating coverage.
Marine Facilities
Shipyards, terminals, docks, repair operations and other waterfront facilities can face risks involving property, equipment, customers' vessels, employees and third-party liabilities.
Cargo, Equipment & Property
Marine and commercial operations may need protection for cargo, mobile equipment, tools, structures, contents and property that moves between locations or is exposed during a project.
Liability & Pollution Exposures
Marine activities can create specialized liability and environmental exposures. Understanding the work being performed and where those exposures may arise is an important part of reviewing the overall insurance program.
Contractual Requirements
Contracts can affect insurance requirements, limits and coverage expectations. Reviewing the operation together with contractual obligations can help identify potential gaps before they become larger problems.
Limits & Program Structure
Larger or more complex marine risks may require additional liability limits, excess protection, specialized marine coverage or alternative retention and deductible structures.
Discuss Your Marine Insurance Needs
Whether you are reviewing an existing marine insurance program, protecting a vessel or facility, or evaluating coverage for a changing operation, talk with Harper Kranz about your insurance needs and risk exposures.
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