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If you own a yacht in the Caribbean, you might be frustrated at high premiums or subpar coverage. However, with Bluewater Yacht Insurance, you can enjoy quality Caribbean yacht insurance.

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As a company that insures thousands of boats, we know the difficulties a yacht can face in the unpredictable Caribbean waters. We also understand the investment that a yacht can be for you.

To that end, we supply Caribbean yacht insurance that you can afford with the coverage you deserve. With this insurance, we can offer deductibles as low as 2% for specific perils and 10% for named and numbered windstorm coverage details. We even offer discounts if you’re not within specific latitude and longitude degrees between July 1 and November 1. We can go over the specifics to ensure you know what is exactly in your policy.

Additionally, with all our customers, we don’t depreciate your yacht for partial losses. And if you like to race your yacht, we can provide paid crew liability for private and pleasure yachts and pollution coverage within a certain limit.

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You deserve the best coverage for your yacht. We strive to provide that with our reasonable rates and accurate quotes. Whether you desire a quote over the phone or online, you’ll get a reliable quote prepared by our experienced and highly rated underwriters.

We’ll also let you know about any requirements we have for our insurance. For example, to qualify, you might need a specific number of years of experience, specific courses to undertake, or a license to crew a boat. We’ll ensure you know everything so you can qualify for the coverage you want.

To learn more about our Caribbean yacht insurance services, please request your  online quote  today, or call us at (561) 743-3442 . We look forward to helping you sail the beautiful waters of the Caribbean!

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How to Navigate Marine Insurance in 2021

• By Jennifer Brett
• Updated: June 30, 2021

If you’ve been on the hunt for a marine insurance policy over the past year or so, you likely already know that it’s a challenging market. Sailing and cruising groups on social media and web forums are filled with frequent posts about people struggling to find coverage, keep coverage, or just afford it. It’s a problem that seems to be affecting beginning cruisers and circumnavigators, with old boats or new. So what gives? How did the situation get to this point, and what can sailors do to protect their dream?

“I’ve been doing this for 30 years, and I’ve never seen a market this hard,” said Morgan Wells, a yacht-insurance specialist with Jack Martin and Associates. “There’s been a great reduction in the number of insurance companies writing boat and yacht insurance, and the international-cruiser segment of the market has been more adversely affected, particularly for boats anywhere on the US East Coast, and even more so for people looking for new policies for Florida, the Bahamas and the Caribbean.”

Indeed, cruisers across the spectrum of locations and sea time are feeling the pinch. When looking to renew their current insurance policy last year, circumnavigators Behan and Jamie Gifford, who live aboard their 1982 Stevens 47, were met with a surprise. “When it came time to renew, we were quoted more than double our cost for insurance the year we planned to cross the Indian Ocean, 2015—an arguably very risky navigational area—and we now had the added requirement of a third adult for passages,” Behan said. “In the end, we didn’t renew at all, and currently have liability-only insurance. I’m not pleased about that and hope to get back to full hull insurance when the market comes around.”

Owners of newer boats don’t seem to be having an easier time either. “We bought a 2015 Jeanneau 64 in October 2020,” Dan Stotesbery said. “I have a lot of experience sailing, but none of it was logged, so I don’t have any credentials like a Yachtmaster or anything like that. My wife has even less experience. When we heard it was tough getting insurance, we were definitely worried about getting covered. Complicating the situation was that the boat was in Turkey, and I needed to sail it across the Atlantic to get to my wife and family. We reached out to the company that insured our house to see if they could find us a company that would insure the boat and especially the crossing. We received two quotes back and ended up getting insured with Concept Special Risk. They did put in a lot of stipulations, like we needed to have a captain for the crossing and at least two other people with bluewater experience, a list of countries we aren’t allowed to go in, and a 250-miles-from-land limit once the crossing was complete. It was extremely expensive, and there was an additional cost for the crossing.”

Changing Marketplace

So how did it get to this point? “We need to put it into context of a market that was very soft for many years—underwriters were looking for business,” Wells said. “There was a bit of a hiccup in the mid-2000s with some fairly significant storms, but generally it didn’t cause much change, and underwriters were still looking for ways to say yes. But then in 2017 came hurricanes Irma and Maria, then Dorian in 2019—these were extremely large losses to very large fleets of boats. Since 2017 we have seen the market flip from a soft to a hard market, and in fact, a very hard market by early 2021. We really have a big change now with fewer insurance companies and greater demand for insurance. And the pricing is much higher than it was a year ago. Irma and Maria showed the vulnerability in the market.”

Laura Lindstrom-Croop from Legacy Underwriters, noted that “many insurance companies left the Caribbean market in 2019-20. Pantaenius America was the first to leave,” she said. “The agency that I work with had YachtInsure, which lost its underwriter, Aspen Insurance, last summer. They have recently secured a new carrier, Clear Blue Specialty, that is writing new business but has new guidelines. Our second underwriter, Concept Special Risk, lost its company, Great Lakes Insurance, on January 1, 2021, but now it has a new company, Clear Springs Property and Casualty, that is writing new business with new guidelines.”

Suzanne Redden, mid-Atlantic branch manager for Gowrie Group, has had a similar experience. “Traditionally, when we would have someone coming in with a sailboat who wanted to do extended cruising, we had five, six, seven…at least that many companies who were willing to write that policy,” Redden said. “So there really wasn’t too much of an issue finding coverage for the customer, depending on where they wanted to go and their level of experience, that sort of thing. What we’re really struggling with now—and it’s a struggle—is that so many carriers have basically pulled out that our options are very limited as far as who is willing to write Caribbean navigation and worldwide navigation. Our choices are few. And what happens then is, of course, the prices go up because the company’s philosophy is ‘no one else wants to write here; we’ll write here, but this is what our actuaries tell us it’s going to cost to allow us to do that.’ So that’s why the rates have gone up.”

The cost to insure his Jeanneau 64 was definitely a bit of a surprise to Stotesbery: “The policy had to be paid upfront. That was the biggest surprise to us because we are used to paying car insurance monthly. This is also a hurdle that I think can be hard to overcome for some people. Not a lot of people have that kind of cash on hand to just fork out.”

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Underwriting Difficulties

Along with higher costs, Redden also pointed out that the underwriting has changed a lot too. “Where before you would have had somebody who maybe had just a year or two experience, or they had just bought a boat, more companies would have been willing to let them take a trip. They look at it much more closely now when a new submission comes in. That’s made it more difficult, I think, for that sort of person to find insurance.”

According to Emma Whittemore, a service manager for BoatU.S./Geico Marine Insurance, underwriting has become much more sophisticated. “With the growth of data, insurance companies can really tell what group is a high-risk group,” she said. “We’re monitoring a lot more to make sure that the right people are behind the helm on these big, 35- to 60-foot boats. We want to make sure it’s not these customers’ first boat, and that they really know what they’re doing. Underwriting is fluid, but in general we always like to look at the ownership experience.”

This has been a particularly vexing problem for potential cruisers. Dana Fairchild and her husband live in Minnesota and have been planning for their cruising dream for the past few years. The couple has taken ASA sailing courses and chartered on Lake Superior but never owned their own sailboat. “Our cruising plans are to buy a boat large enough to live aboard; a 35- to 38-foot Island Packet is what we have in mind,” she said. “Due to the price point of Island Packets, we are looking at models from the 1990s. We plan to keep it on the East Coast of the US—somewhere above the hurricane zone during hurricane season, and probably down to Florida in the winter—for the first six months to a year while getting comfortable with the boat and used to the liveaboard lifestyle. After that we want to head to the Bahamas for a while, and eventually work our way down to the rest of the Caribbean and stay there.”

While the couple hasn’t purchased a boat yet, they’d heard the news that insurance might be difficult to find, so they reached out to a few companies to explain their plans and intended boat. “The short answer to what we’ve been hearing from insurance agencies is no. The reason for this is predominantly that we have not owned our own boat that is of comparable size, or at least within 10 feet. They don’t take into consideration that we have sailed and chartered boats of the same size, but really only want to see that a boat of comparable size was titled to us for at least two years”

Looking Ahead

So when faced with a denial, a notice of nonrenewal or a steep increase in premiums, what can a cruiser do? Is there coverage available? “What I am seeing, you have more choices if you limit your cruising to the US East Coast down to the Turks and Caicos,” Lindstrom-Croop said. “If you go to the Eastern Caribbean, you have fewer carriers, and some are writing coverage that doesn’t include hurricanes.

“I think cruisers are going to have to be patient and flexible. Also, update your sailing resume so when you shop around, you are giving the company a reason to give you the maximum credit available. Lower rates are probably not going to happen for a couple of years, climate change is weighing heavily on insurers, and the large number of storms recently is worrisome.”

Communication is crucial. Each of the insurance professionals I spoke with made it clear that underwriters are looking much more closely than in years past, and detailed sailing resumes and hurricane plans can help your chances. For newer cruisers, scaled-back sailing plans could help as well because finding coverage for a smaller cruising area will likely be much easier than, say, the entire East Coast and Bahamas. And for older vessels, a survey might be required for renewal.

“Some of the companies have gone to where they won’t write a boat over 40 years old,” Redden said. “Gowrie Group offers the Jackline program, which is a cruising program through Markel Insurance, which is really one of the last US companies still doing extended cruising, but they’re very restrictive on what they will write and how they’ll write it. But they will take older boats. Experience is the key.”

“It is harder to insure an older boat, but it can be done,” Lindstrom-Croop said. “There are just fewer markets. An older boat needs to be maintained well and have a current survey, within three years. I like to submit the survey along with the application when marketing so the underwriters can see the boat.”

For the time being, it seems that cruisers, such as Stotesbery, who currently have—albeit expensive—coverage are doing what they can to keep it. “We have had several major repairs to do on the boat, which we probably could have put in a claim for, but we are too worried about getting dropped or not covered next year, so we just paid for the repairs,” he said. “So it’s sort of a Catch-22. Unless we have a catastrophic type of claim, we don’t want to make one, but we still pay the high premium without really being able to take advantage of the protection. We will definitely start shopping again once we get closer to our renewal date. Unfortunately, there just aren’t a lot of insurance choices out there, so it is quite limiting, and they hold all of the cards.”

Others, such as the Giffords, are going without full coverage for now, while potential cruisers, such as the Fairchilds, might need to put their dream on hold. “As for how this is impacting our plans, it has really made us start to second-guess that this is even a possible plan. We have become discouraged, and this has really put a halt to most of the steps we were taking,” Fairchild said.

Wells, Redden and Lindstrom-Croop are optimistic for things improving in the insurance market over the next year or so, but all emphasize having patience. “We’re hoping that things will change for the better,” Redden said. “We’ve got some companies now that pulled out that are coming back, but it’s a very slow process.”

Jennifer Brett is CW’s senior editor.

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Let us guide you out of troubled waters... With Caribbean Alliance Marine Insurance

We provide comprehensive Marine coverage for yachts and pleasure craft in a plain-English format to cover a range of circumstances. Coverage includes windstorm on a full-year basis, without the requirement that vessels move to southerly latitude during the hurricane season.

There are a range of insurance policies for the protection and security of private recreational boat owners and commercial operators.

There is no such thing as a standard policy, so discuss appropriate coverage for your watercraft with your local Caribbean Alliance representative .

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Welcome to Caribbean Insurers Marine Ltd ("CIML")

Caribbean Insurers Marine Limited is a specialized unit within the Caribbean Insurers Group of companies. The personnel responsible for providing a comprehensive range of insurance plans for the protection and security of both the recreational boat owner and commercial operator have a collective experience of over 100 years in respect of all aspects of marine associated risks.

Whether you own and operate a single commercial vehicle, or a large fleet, you need to have the right coverage

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A cargo insurance policy covers your business against liability for cargo you are hauling for others. In the event that your customers’ cargo gets lost or damaged during transport, your business must be insured to protect both their assets, and your business.

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Boat Insurance in the Caribbean

If you’re looking for boat insurance coverage in the Caribbean for your yacht or boat, then Admiral Marine have the experience and knowledge to put together a bespoke boat insurance quote  for your exact requirements.

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With over 30 years of experience within the UK boat insurance sector, we can tailor your sailing plans to ensure that you have the best boat insurance coverage for your yacht or boat, whether you’re sailing in the UK, Europe, Caribbean, USA or Worldwide.

We currently insure UK domiciled clients only, with boat insurance coverage to sail anywhere in the world.

As specialists in cruising boat insurance and long standing corporate members of the World Cruising Club, we can also provide exclusive cruising boat insurance for both the ARC and the World ARC sailing rallies.

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With our combined knowledge of sailing experience, ocean crossings and our specialist contacts within the sailing community, we can provide our clients with the best boat insurance coverage that suits their sailing needs at all times.

We very much pride ourselves on our personal boat insurance service and we provide an in-house claims service to ensure that any claims are processed fast, efficiently and stress free for our clients.

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So, whether you own a  Beneteau ,  Jeanneau ,  Hallberg Rassy ,  Cornish Crabber ,  Oyster Yacht ,  Hanse Yacht ,  Discovery Yacht  or even a  Rustler Yacht  just to name a few, then make sure that you choose Admiral Marine for your boat insurance coverage in the Caribbean.

If you would like to request a boat insurance quote , please complete our online quote request form and our experienced and friendly team will get back to you. Alternatively, if you would like to call or email us please contact Admiral Marine .

Frequently Asked Questions

Our standard policy allows you to take part in any race or regatta, but does not cover for the rig unless it is damaged by collision, stranding, sinking or fire. The hull is covered, but with double excess during racing.

Contact us as soon as possible to inform us of any changes. We’re happy to accommodate changes at any time during your year, whether that be changing contact details or an aspect of your policy. Adjustments may result in an additional premium, but we never charge administrative fees for mid-term changes.

On occasion. For instance, for participants of a long distance rally such as World ARC, we prefer a 1st January renewal date allowing for boats to be in St Lucia at the start of the policy and in South Africa when the policy is due for renewal.

We have chosen to remain a specialist insurer and can’t quote for commercial vessels or boats valued over £1million. However we can refer you directly to Hayes Parsons Insurance Brokers, our award-winning parent company, who may be able to help.

Yes. We’re happy to accommodate changes to cruising area or any other aspect of your policy at any time during the year. Adjustments may result in an additional premium, but we never charge administrative fees for mid-term changes.

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Serving the Needs of Boat Owners, the Charter Fishing Industry, and Cargo Companies

Boats are part of everyday life in the Caribbean. Regardless of whether your boat is used solely for recreation or it’s part of your trade, it’s essential to protect your investment from common risks. Not only can boats be damaged or destroyed in hurricanes, tropical storms, and other extreme weather events, but they may unexpectedly strike underwater objects. Unfortunately, boats can also be subject to criminal mischief such as theft and vandalism.

At Caribbean Risk Group, we assist private and commercial boat owners in safeguarding their vessels with tailored insurance policies that meet their specific needs.

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There are many considerations when it comes to tailoring a boat insurance policy, including the age and condition of the boat, the value of the watercraft, and where it will be operating. Specifically, these types of policies are generally divided into two parts — physical damage and liability. While physical damage coverage applies to accidental loss or damage, liability pays for damage that your boat might cause to others.

A boat insurance policy typically covers the following:

• Damage to the boat, anchors, and equipment
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Although taking out an “all risk” policy offers a significant amount of protection, it’s critical to understand that not every type of loss is covered. In certain situations, it may be a good idea to secure additional coverage for the boat’s trailer and any accessories. Other add-ons to your policy can include salvage, towing, cruising, and consequential damage costs.

The insurance team at Caribbean Risk Group understands that your boat isn’t just a piece of property to you — your boat helps you create memories with friends and family and gives you the opportunity to explore new places. We take the time to evaluate your needs and will customize a policy that provides you with peace of mind knowing that the value of the vessel you worked hard to acquire is safeguarded.

Protecting Your Livelihood with Charter Boat Insurance

Charter boats have very specific insurance requirements that are vastly different from recreational boats. Whether you operate a charter fishing or sightseeing business, it’s crucial to have insurance coverage in place that protects your vessel — and your livelihood. Importantly, carrying passengers comes with a significant amount of responsibility and it’s vital to shield yourself from liability arising from unforeseen accidents or injuries.

Insurance coverage for charter boats can include the following:

• Protection and indemnity
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Making sure you have adequate and affordable coverage for your charter operation should be a top priority. The coverage you need can vary, based on how many passengers your boat will be carrying, how often you will be chartering, and the type of charter operation. The experienced team at Caribbean Risk Group can help you navigate the complexities of charter boat insurance and help you select coverage that fits the needs of your business.

Safeguarding Your Goods and Cargo with Ocean and Inland Marine Insurance

Manufacturers and commodity traders have unique insurance needs — weather events, fires, and theft are just a few of the many risks associated with shipping and logistics that can threaten your business. Having the protection of a solid marine insurance policy is imperative to safeguard your investment from these exposures. While ocean marine insurance covers cargo and merchandise as it is transported over water, inland marine insurance shields you from losses in connection with transportation on land.

Marine insurance is highly specialized, and each policy must be tailored to meet the needs of your industry. At Caribbean Risk Group, we understand that there are multiple levels of risk involved when it comes to transporting goods. We skillfully assess your company’s insurance requirements and will create a comprehensive plan to ensure your assets and bottom line are protected from loss.

Contact Caribbean Risk Group to Learn More About Our Services

Caribbean Risk Group is committed to assisting boat owners, charter companies, and cargo shipping businesses with a wide variety of insurance needs. Located in St. Thomas, our team will discuss your options and help you implement cost-effective solutions for your charter, boat, and marine insurance needs. Contact us for a free quote today by calling (340) 774-2323.

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Your Sailing Yacht Insurance Specialist

You require expertise and experience in your sailing yacht insurance specialist, and for over three decades w.r. hodgens marine insurance has delivered. se habla espanol, sailing yacht insurance, our background and knowledge make navigating to the correct sailing yacht insurance coverage for private yachts, charter or bareboat, catamarans, or fleet operations simple and clear, with proven results and satisfied customers. your sailboat investment needs protection, and the critical peace of mind. w.r. hodgens marine insurance brings through personalized and comprehensive underwriting experience helps smooth out every passage. we have programs for all sailing yachts and our sailboat insurance coverage extends worldwide, from the usa, bahamas, cuba, and caribbean through the panama canal, pacific ocean, and the mediterrranean and all other areas..

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The sailing yacht lifestyle you've earned deserves an insurance specialist dedicated to preserving both that lifestyle and your substantial investment. W.R. Hodgens Marine Insurance brings that commitment along with the sailing and insurance expertise to keep you underway, on course, and secure anywhere your sailing yacht takes you. Contact W.R. Hodgens Marine Insurance for all your yacht insurance needs.

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We have listed here a sampling of only some of the sailing yacht builders we insure. sailing yacht insurance has coverage for all quality sail yachts. contact us with your sail yacht information for an insurance quote now..

Abeking and Rassmussen Adrina Alubat Alliaura Marine Antares Yachts Azzura Cabo Rico Class Yacht CNB Superyacht Comar Contest Yachts Cookson DK Yachts Delfine Denchomarine Derecktor Elan Marine Fantasi Yachts Finngulf Goetz Grand Soleil Latini Marine Lerouge Yachts Marten Maxi Yachts McMullen and Wing Morris Yachts Murtic Yachts Newport Nordia Passport Pendennis Perini Navi Reichelpugh Rivolta Royal Huisman Sangermani Santa Cruz Seawind Cats Sparkman and Stephens

Alden Allied Amel Angleman Arcona Baltic Bavaria Bayana Beneteau Bruce Roberts C and C Cal Cantiere del pardo Grand Soleil Catalina CCYD Cheoy Lee Damstra Dean Dehler Delphia Deutsche Werke Dufour Duwamish Erickson Fisher Fountaine Pajot Freedom Freeport Fuji Gib Sea Gulfstar Hanse Yachts Hallberg Rassy Kelly Herreshoff Hinckley Hunter Hylas Kanter

Island Packet Islander Jenneau Jomeri Jongert Lagoon Littleharbor Maio Manta Marten Moody Morgan Nauticat Nautor Niad Pacific Seacraft Pearson Privilege Sabre Saga Saturna Schock Seawind Skookum Southern Ocean Spencer Swan Tartan Tayana Trintella Tripp Design Valiant Vismara Vitters Westsail Warwick Wyliecat X-Yachts

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Boat and Yacht insurance

Boating is all about tranquility and freedom. The freedom to make your own choices. That's why ENNIA offers the Caribbean's most versatile Boat and Yacht insurance to its customers in Curaçao and Bonaire. ENNIA understands that your weekly family outing, anchored in a quiet bay, requires a very different type of insurance than your deep-sea fishing trips at night with your best friends. With ENNIA’s Boat and Yacht insurance you can enjoy peace of mind, knowing you are properly and comfortably insured against all risks.

Why choose us?

• Flexible insurance coverage options.
• Best offer on the market, low deductible.
• No-claim discount up to 30%.
• Liability insurance up to f 1,000,000 ($ 550,000), regardless of market value of your boat or yacht.
• Convenient: monthly payment option.

What is insured?

• You are covered for damages to your boat or yacht that occur while on land, while towing, during transportation, while launching, or on water.
• Coverage in case of an accident, theft, vandalism, strong storm, fire, lightning strike, or any hidden defects that might be present on your boat or yacht.
• Liability coverage in case of damage to third parties or their properties.

Additional insurance options

• Coverage for personal property.
• Accident insurance.

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Bluewater cruising insurance – what you need to know

• April 13, 2022

Janneke Kuysters looks at bluewater cruising insurance and explains what you need to know and why it's become increasingly difficult to insure your yacht for long distance cruising

There’s no getting around the fact it has become a lot harder to get boat insurance, particularly bluewater cruising insurance. However, there are still ways to secure good coverage – you just need to know what makes insurers tick.

If you want to ruin any cruising sailors’ potluck party on a tropical beach, just drop in a question about boat insurance. Many boat owners have stories to tell. Just about every aspect of the process has become more complicated for bluewater cruising insurance, it takes a bigger chunk out of the cruising budget every year and the rising deductibles make it more and more tempting to go uninsured. So, what is going on in the market and how do you get proper insurance to match your cruising plans?

How bluewater cruising insurance works

First, let’s look at who you are dealing with when you try to get your yacht insured for a trip to the Med, the Caribbean or a circumnavigation.

The insurance company covers your yacht: they write the cheque when there are damages to it or when you’ve caused damage. All this depends on the conditions that you agreed to when taking the policy, but in general, you don’t deal with the insurance company directly when you try to get insurance for a bluewater itinerary. Unlike car insurance, boat insurance is a very specific product and it requires a tailor made approach. Most likely you’ll do business with a broker or an underwriting agent.

Uninsured yacht owners could face enormous salvage, repair and environmental damage costs if the worst should happen. Photo: Ben Welsh Premium/Alamy

The broker considers you, your boat and your plans and presents this ‘package’ to several insurance companies. A single insurance company may want to insure you, but it could also be a syndicate of insurers: each insurer accepting a certain percentage of the risk presented by your package.

There are different kinds of brokers; the difference lies in the amount of work they take off the hands of the insurance companies. If the broker is just helping you to get cover for your beautiful blue water itinerary, you’ll get a policy with the header of the insurance company. If the broker does a lot more work, for instance manning phone lines for 24/7 assistance and handling of claims, you may find their company name at the top of your policy. Brokers that take the most work off the hands of the insurers are called managing general agents (MGAs).

What has changed?

Why has it become more complicated to get yacht insurance for blue water voyages? Mike Wimbridge, managing director of Pantaenius UK, explains: “Yacht insurance for offshore itineraries has always been a tailor made market. And we see that, in recent years, there has been less appetite from the insurance companies when it comes to yacht insurance in general. For coastal cruising in UK waters, things are still fairly easy to insure. But for more bespoke risks like insuring a bluewater cruise, we see that the market is nervous.”

There are several reasons behind this change, Wimbridge says. “Up until 2017 this was a highly competitive market, so prices were as low as possible. It then became untenable for many insurers, especially when a few big windstorms tore through areas where lots of yachts were stored.

“Insurance companies and their reinsurance companies pulled out of the market, leaving a few behind who needed to safeguard their financial situation. So the premiums and deductibles rose. Things are stabilising now, but we still see slight increases annually.”

There are other factors at play. The effects of climate change mean extreme weather events happen more often.

Sailing off the beaten track can be challenging to insure. Photo: Janneke Kuysters

The typical consumer profile has also changed. In the past, yacht owners usually set off on passage armed with sextants, paper charts and a wealth of experience. Nowadays it has become a lot easier to get started – thanks to everything from computer-based navigation systems to powered sail handling – so owners can set off on a bluewater cruise with less experience.

At the same time, boats have become larger and potential claims more expensive: a single lightning strike can destroy tens of thousands of pounds worth of electronics, so it’s perhaps understandable insurers can be nervous to write bespoke policies.

However, there are signs that the market is rebalancing. Ric De Cristofano, director of underwriting with Topsail Insurance, says: “The good news is that the insurance market is cyclical: it will bounce back. I think we have the worst time behind us and we’ll see that insurers become more open to write policies for bluewater cruising yachts.”

How to get bluewater cruising insurance

If you are looking for insurance for a bluewater itinerary, Wimbridge says, “Getting a quote is getting harder and harder. You have to ‘pitch’ yourself, your boat and your plans to the insurer. The broker can help you to do this or you can select a carrier that has staff on hand who are experienced in this area. Things like your sailing CV, diplomas and those of your crew, previous long passages that you have successfully undertaken, and technical or managerial skills that will benefit your sailing, are very important to mention.

“When it comes to the boat: the more seaworthy, the better. There is no real threshold when it comes to boat value, but a well found yacht that is suitable for offshore cruising is paramount to get insurance.”

“We have added a maintenance log to our ‘pitch’ to get insurance,” say American cruisers Jason and Nicky Wynn (see gonewiththewynns.com). “This has added to the success of securing insurance for our boat.” Keep receipts and take photographs as proof of upgrades and repairs, and record a log of routine maintenance.

“The third element in your ‘pitch’ is your itinerary,” continues Wimbridge. “The Atlantic and Pacific are well-cruised areas where insurers can assess the risk they are writing. But if you’re heading around Cape Horn or further afield in the Indian Ocean, premiums will rise. So with your choice of itinerary you can influence the height of your premium and insurance conditions.”

Hurricane damaged yacht. Photo: Pantaenius

In general, insurers are not keen to cover your yacht if you sail in areas with a cyclone/hurricane risk. They have predefined areas and dates which are important to adhere to if you want to stay insured. You will also have a very hard time finding insurance to sail in areas with political instability, war or threats of terrorism. War Risk zones are internationally acknowledged areas where even large commercial ships pay breathtaking insurance premiums.

De Cristofano adds: “Start looking for an insurer at least six months before you plan to leave. Have a chat with your broker to see if they will be able to find insurers that will cover your itinerary. Give yourself ample time to put your ‘pitch’ together and to discuss possible alternatives with your insurer that will lead to a policy that fits your budget.

“It pays to negotiate about the deductible: if you are willing to accept a higher deductible, this may make a significant difference in the premium you will be paying, because it signals to the insurer that you have confidence in your yacht and your skills to maintain it properly.”

However, Wimbridge warns: “Price is not all; think of insurance as a partnership with the insurer. The cheapest policy may not do what you need it to do when you are in trouble on the other side of the planet. You need an insurer who has the knowledge and the capacity to get help to you where you are: spare parts, technical assistance or even worst case, salvage. A lot of the cheaper insurance options will require hiring a third party provider locally, which may present all sorts of cultural and language barriers. So look at the quality of the policy.”

Real world solutions

Bill Garlick is a well known name in the cruising community: many boat owners who have sailed to the other side of the world and run into trouble with their insurance get help from Bill at The Marina Shop in Opua, New Zealand.

“The marine insurance market had a monumental dislocation at the end of 2018 when many Lloyds pleasure craft syndicates closed their books,” Garlick explains. “The lost capacity created a worldwide shortage of marine insurance for pleasure craft. Cover was difficult to find and premiums started rising. Around 95% of our clients were insured with Lloyds at the end of 2018 and those now with Lloyds can be counted on one hand. A number of insurers stepped in to fill the abyss which meant brokers and clients had to deal with new policy wordings and cruising parameters. By the end of 2019 most clients were placed with new insurers.

Keeping a log of regular maintenance can be helpful. Photo: Janneke Kuysters

“A consequence of the contracting market is that marine insurers have tighter criteria and marine insurance is more difficult to secure. Older (30 years-plus), smaller (under 40ft) and low value boats (less than US$100,000) are difficult and sometimes impossible to insure. Standing rigging must be no more than 10 years old (a rig inspection and report is no longer acceptable), surveys are generally required when an insurer takes on a new risk unless the vessel is a relatively new factory production model.”

He adds: “Registration is now the key factor in securing marine insurance. Many insurers are not registered in all countries/jurisdictions so they can only offer cover to certain flags. Choosing a flag is now the decision that determines which – if any – insurers can offer terms.”

Claudia Masson, CEO of the specialised German yacht insurance broker Preuss, says Brexit has also had an impact on European brokers: “Since Brexit, it is no longer possible for us to insure a UK registered yacht with a UK owner. We’ve had to cancel all the policies of our UK clients; this has limited the amount of alternatives there are for UK boat owners.”

“Lightning, windstorm and saltwater damage to electronics and electrical systems are problematic,” adds Garlick. “Many marine insurers simply refuse to offer cover for these risks and others mitigate their exposure by offering high excesses/deductibles.”

Go uninsured?

Every year a number of cruising yacht owners decide to sail uninsured. There are several reasons for this, but usually it’s because of budget constraints or simply because they cannot find an insurer.

But there are considerable risks to going uninsured. First of all, some countries will not let you enter or leave without at least liability insurance – Panama being one example. The same applies to most harbours or marinas.

But the most important thing to consider when you sail uninsured is whether you can afford to lose your boat and equipment. Would being uninsured likely change your behaviour – would it make you less likely to issue a Mayday? In the case that you hit a reef, could you finance the cost of salvage and repairing environmental damage? Or the liability if you accidentally hit another yacht or a swimmer in the water?

“If you are considering sailing uninsured, there are insurers in the UK that will accept yachts for just the liability insurance,” says Ric De Cristofano of Topsail Insurance.

If you enjoyed this….

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• Sep 7, 2023

Unlocking the Future of Marine Insurance in the Caribbean: Challenges and Opportunities

Introduction: the caribbean's boat insurance conundrum.

With its kaleidoscope of vibrant cultures, crystal-clear waters, and countless scenic islands to explore, the Caribbean offers an unparalleled haven for boat and yacht enthusiasts. However, the current state of boat and yacht insurance in the region is far from idyllic. Real and perceived risks have led many underwriters and reinsurers to withdraw from the Caribbean market, making marine insurance options increasingly scarce and expensive. At Mainstay Consulting Group Ltd., we believe it's high time to innovate, improve risk management, and revitalize the market.

Why is Marine Insurance Hard to Get in the Caribbean?

Real risks in the caribbean: a deeper dive.

Weather Hazards : Hurricanes and other severe weather conditions have left a lasting impact, making insurance companies hesitant to offer policies.

Piracy and Theft : Maritime crime poses a constant threat in certain areas.

Accessibility Challenges : Remote locations complicate logistics for rescue, repair, and salvage operations.

Navigational Hazards : Coral reefs, shoals, and other maritime hazards add another layer of risk.

Environmental Liability : Spills and other environmental risks can be costly to manage, often leading insurers to back out.

Perceived Risks: Separating Fact from Fiction

Weather Overestimation : The risk of extreme weather is often overestimated, leading to inflated premiums.

Regional Generalization : Insurers frequently bundle different geographic areas into a 'high-risk zone,' driving up costs across the board.

Legacy Data : While historical data is essential, it is not always indicative of current or future conditions.

Mainstay Consulting Group's Unique Insights: An In-Depth Look at Closing the Gap Between Real and Perceived Risks

Drawing on extensive experience as a Surveyor and Adjuster, our Managing Director is formulating a strategy for closing the risk perception gap and mitigating real risks.

Standardizing Risk Assessments

Accredited Standards : We propose creating a new set of optional accredited standards for vessels, fleets, and facilities. These standards will provide a clear risk profile, allowing underwriters to make more informed decisions specific to the risks of their operating area.

Data-Driven Decisions : By utilizing modern data analytics techniques, we can offer a more nuanced view of risk factors, potentially leading to lower premiums.

Localised Risk Zoning : Differentiating between high-risk and low-risk areas based on accurate, up-to-date data can further optimize insurance costs for boat and yacht owners. Many vessels, especially commercial yachts in charter fleets stay in one area, which defines their risk profile and mitigation strategies much more clearly.

Effective Risk Management Strategies

Weather-Proofing : Simple, economical modifications can make vessels more resilient to severe weather, reducing the risk of catastrophic losses. Accredited standards for marinas and boatyards can seek to lower collective risk.

Security Protocols : Implementing advanced security measures can deter theft and piracy, thereby making the asset more insurable.

Emergency Response Plans : A well-crafted emergency response strategy can drastically reduce the time and cost involved in salvage and repair operations.

By bringing these elements into play, we can align the perceptions of insurers with the actual risks, creating a more balanced and fair marketplace for boat and yacht insurance in the Caribbean.

Inviting Partnerships: A Safer and More Productive Marine Economy

We are reaching out to Underwriters, Reinsurers, Assureds, and Industry Bodies to collaborate with us on this transformative initiative. Together, we can establish new standards and innovative risk management strategies, thereby rejuvenating the insurance market in the Caribbean.

Conclusion: Charting a New Course in Caribbean Boat Insurance

The challenges may be formidable, but so are the opportunities for innovation and improvement. By bridging the gap between real and perceived risks, we can pave the way for a safer and more financially sustainable maritime community in the Caribbean.

Are you an underwriter, reinsurer, or industry body interested in this initiative? Contact us today at Mainstay Consulting Group Ltd. to discuss how we can work together to create a safer and more profitable maritime economy in the Caribbean.

• Risk Management

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Yacht insurance has always been a bit of  an issue in the Caribbean and somewhat expensive but neither of these need be the case if Caribbean governments would make third party insurance compulsory and if insurance companies viewed the Caribbean as an opportunity rather than a risk.

Too often the excuse for high Caribbean premiums or refusals to write insurance is put down to hurricanes.  This excuse does not hold up to close examination. Statistics show that the risk of a hurricane hitting a Caribbean island in any one year is 2% to 3% whereas the risk of one hitting the south-east and east coast of the U.S. is 10% to 12%.  Also, with modern weather reporting, vessels in the Caribbean can head off in any one of 360 degrees of the compass whereas, storm avoidance along the U.S. coast is somewhat limited.

There are, undoubtedly, some higher risks in the Caribbean and the greatest one is the number of uninsured vessels not just transiting but also mooring in the ports, harbors and bays of Caribbean islands. These uninsured vessels pose the greatest risk particularly in times of bad weather as uninsured vessels often tend to also be the less well found vessels. The risk of damage by an uninsured vessel is the biggest single cause of higher premiums for yachts visiting the Caribbean and the reason for some yachts not including the Caribbean in their itinerary.

The problem of uninsured vessels could easily be solved by Governments legislating that all vessels entering their waters must carry a minimum level of third party insurance.  Rates for this type of cover are not high and, with an expanded market, the rates would become even lower.

Also, most regattas and sailing events do not require compulsory third party insurance. The argument is that it would deter local sailors. However, it has to be wondered how many international sailors do not enter Caribbean regattas because the hail of “No insurance” is not a joke.

Insurance for storage ashore is now relatively freely available with the improved storage facilities such as welded cradles, keel holes and properly secured tie downs.  There is no necessity to head south at the approach of the hurricane season although many do and a lot of these are uninsured and want to leave the hurricane belt.

There are other factors which increase rates but only to a minor degree. These are rogue salvagers, the loading of claims and the fairly mixed repair facilities and levels of skill. Some islands have very high skill levels but others not so. Within such a small market many insurers do not differentiate between islands.  Also, with almost all items needing to be imported, parts costs are high.

Due to the general lack of legislation relating to yacht insurance and the relative weakness of the regulatory bodies, statutory and otherwise, the Caribbean insurance market is seen as being uncontrolled by many underwriters, which affects their willingness to write insurance and, when they do, the price is inevitably higher.

Added to these factors and partly caused by them, the Caribbean is a small volume market and what the insurance companies call a ‘soft’ market. The customer is often given a ‘take it or leave it’ choice.

It is understandable that insurance companies are not particularly interested in dealing in a low volume market and, without compulsory insurance; the size of the market is unlikely to experience much growth.  The solution to the Caribbean insurance problem really lies in the hands of the governments and, maybe, with the OECS and Caricom.

John Duffy is the president of the Caribbean Marine Association .

To comment on this article, email: [email protected] 

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Double the Haul: St. Kitts Marine Works Strengthens Grip on Yacht Services in the Caribbean

Second wind for sails: yacht clubs breathe new life into donated boats, barbuda beckons: booyard yacht services welcomes superyachts to pristine paradise, so caribbean you can almost taste the rum....

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Horizon Yacht Sales - Yacht Insurance

Yacht Insurance for Privately Managed Yachts and Powerboats with Horizon Caribbean Boat Management

Horizon places yacht insurance for Owners on over one hundred privately managed yachts and powerboats.

We would welcome the opportunity of giving you a quote, with a competitive premium from an A-rated Underwriter, with year-round coverage in the Caribbean, in or out of the water.

Contact us today at Horizon

Contact Horizon for a competitive yacht insurance quote, or if you have another enquiry.

Please complete the form on our Contact Us page .

Alternatively, you can call us today on  +1 844 494 8787  or email us at  [email protected] . Our staff are always happy to help and have years of experience in all facets of yacht management.

We also have yacht guardianage management available. Find out more here .

Horizon Yacht Sales provides yachts built and commissioned to your customised specifications, and as we deal directly with the yacht manufacturers themselves, you are assured of an extremely competitive price.

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Horizon Yacht Sales are present at many of the major European and US Boat Shows, including the Annapolis Boat Show (officially known as the United States Sailboat Show).

Find out which shows, which yachts and when by visiting our boat shows  page here .

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Nude cruise to set sail from Florida next year: Here are the starting costs, itinerary

The "Big Nude Boat" cruise, which allows passengers to bare all − yes, even at the buffet − is set to sail from Florida next year.

The "11-day adventure" to the Caribbean is set for the first two weeks of February on the Norwegian Pearl, according to the Bare Necessities Tour & Travel website.

"Bare Necessities’ newest nude cruise is a private island double-dip with a brand new travel partner!" the company wrote on its website.

The trip which embarks from Miami, includes "an exclusive visit to an idyllic private island" in The Bahamas as well a another exclusive stop on the way back to the Port of Miami.

"Two opportunities to enjoy a new slice of Bare-adise, coupled with a beautiful selection of Eastern Caribbean island stops, will make this a can’t miss Big Nude Boat experience," the travel company posted.

Why cruises are popular with swingers: 'What happens on the ship ... stays on the ship'

A cruise to nowhere: Royal Caribbean sailing canceled after guests boarded

Big Nude Boat cruise sailing dates and destinations:

The ship departs from the Port of Miami on Feb. 3 and returns to the same port on Feb. 14.

The itinerary includes stops at the Bahamas, Puerto Rico, St. Maarten, Dominica, Martinique and St. Lucia.

How much does the Big Nude Boat cruise cost?

Rates for an inside cabin start at $2,000 per person.

They stretch as high as $33,155 for the top room on the ship: a Haven three-bedroom garden villa.

Laws of the land (and sea)

Guests are encouraged to park their bare behinds on towels provided on board in areas including the pool deck and the buffet area, according to the website.

"Passengers can easily follow our rule on nudist etiquette by always placing a towel down before sitting," it reads. "Remember to pack a swimsuit; not all excursions are clothing optional."

Natalie Neysa Alund is a senior reporter for USA TODAY. Reach her at [email protected] and follow her on X @nataliealund.

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Home & House Stagers in Elektrostal'

Location (1).

• Use My Current Location

Popular Locations

• Albuquerque
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• Elektrostal', Moscow Oblast, Russia

Professional Category (1)

• Accessory Dwelling Units (ADU)

Featured Reviews for Home & House Stagers in Elektrostal'

• Reach out to the pro(s) you want, then share your vision to get the ball rolling.
• Request and compare quotes, then hire the Home Stager that perfectly fits your project and budget limits.

A home stager is a professional who prepares a house for sale, aiming to attract more buyers and potentially secure a higher selling price. They achieve this through the following techniques:

• Rearranging furniture to optimize space and functionality.
• Decluttering to create a clean and spacious look.
• Making repairs to address visible issues.
• Enhancing aesthetics with artwork, accessories, and lighting.
• Introducing new furnishings to update the style.

Their goal is to present the house in the best light. Home stagers in Elektrostal' help buyers envision themselves living there, increasing the chances of a successful sale.

• Decluttering
• Furniture Selection
• Space Planning
• Art Selection
• Accessory Selection

Benefits of the home staging in Elektrostal':

• Attractive and inviting: Staging creates a welcoming atmosphere for potential buyers.
• Faster sale: Homes sell more quickly, reducing time on the market.
• Higher sale price: Staging can lead to higher offers and appeal to a wider range of buyers.
• Showcasing best features: Strategic arrangement highlights positives and minimizes flaws.
• Stand out online: Staged homes capture attention in online listings.
• Emotional connection: Staging creates a positive impression that resonates with buyers.
• Easy visualization: Buyers can easily picture themselves living in a staged home.
• Competitive advantage: Staging sets your home apart from others on the market.
• Affordable investment: Cost-effective way to maximize selling potential and ROI.
• Professional expertise: Experienced stagers ensure optimal presentation for attracting buyers.

What does an Elektrostal' home stager do?

What should i consider before hiring an interior staging company, questions to ask potential real estate staging companies in elektrostal', moscow oblast, russia:, business services, connect with us.