Superyachts, megayachts, and premium motor and sailing yachts — where craftsmanship demands elite-level protection.
A luxury yacht is more than a vessel — it is a statement of craftsmanship, a floating residence, and in many cases a significant portion of a family’s wealth. Insuring it demands a fundamentally different approach: specialist underwriters with deep expertise in high-value marine assets, bespoke policy structures, worldwide navigational capability, and claims handling befitting the caliber of the vessel itself. Our team accesses the premier luxury and superyacht markets — Lloyd’s of London syndicates and leading global insurers — to build coverage programs that reflect the true value and complexity of your yacht. From a 60-foot motor yacht to a 100-foot-plus superyacht, your investment deserves nothing less than the finest protection available.
Coverages Available
Premium coverages available for luxury yachts include:
Agreed Value — No Depreciation
Total loss settlement at the full insured value, period. No adjusters applying depreciation to a vessel of this caliber.
Hull & Machinery — All-Risk
Comprehensive all-risk physical damage coverage for the vessel, engines, generators, tenders, and all permanently installed systems.
Protection & Indemnity (P&I)
Premium-limit liability coverage for bodily injury, property damage, collision, and wreck removal — structured for high-exposure vessels.
Crew Coverage & Employers’ Liability
Full Jones Act, MARPOL, and maritime law compliance for professional captain and crew — including medical, repatriation, and wage loss.
Medical Payments
Substantial medical payment limits for owners, guests, and passengers aboard.
Personal Effects & Fine Art
Coverage for clothing, jewelry, fine art, wine collections, and high-value personal property kept aboard.
Fuel & Pollution Liability
Comprehensive environmental liability including accidental discharge, cleanup costs, and regulatory defense.
Salvage & Wreck Removal
High-limit salvage and compulsory wreck removal coverage — a significant financial exposure for large vessels.
Commercial Towing & Emergency Services
Elite emergency response, ocean-going salvage towing, and port assistance services worldwide.
Windstorm & Named Storm Coverage
Full windstorm and tropical storm protection with no geographic exclusions for vessels operating in hurricane-prone regions.
Hurricane Haulout & Storm Management
Reimburses all documented costs associated with storm preparation, haul-out, and secure storage.
Ice & Freeze Coverage
Covers all freeze-related damage during winter operations or layup in northern climates.
Mechanical & Electrical Breakdown
Comprehensive breakdown coverage for propulsion, navigation, and all onboard mechanical and electrical systems.
Total Engine & Drive Train Failure
Full coverage for catastrophic propulsion failure including internal damage to engines, transmissions, and drive systems.
Worldwide Navigational Territory
Global coverage including Caribbean, Mediterranean, Pacific, and transatlantic passages — with passage planning coordination.
Liveaboard & Full-Time Residence
Bespoke provisions for owners who make the yacht their primary or seasonal residence.
Tender Fleet Coverage
Coverage for the full complement of tenders, jet skis, water toys, and auxiliary craft.
Cyber Liability
Protection against cyber risks affecting modern yacht systems including navigation, communications, and onboard automation.
Kidnap & Ransom
Available for yachts operating in elevated-risk international waters.
Loss of Use & Charter Income
Covers lost income and alternative accommodation costs while a vessel is under repair.
New Vessel Replacement
If a new luxury yacht is totaled within qualifying years, receive full replacement value.
Delivery & Professional Crew Passage
Coverage while the vessel is under the command of a delivery crew or professional captain.
Disappearing Deductible
Annual deductible reduction for each claim-free year — rewarding responsible stewardship of an exceptional vessel.