If you own or operate a boat cleaning and detailing business in Florida, you need specialized insurance to protect your livelihood. Standard business insurance is not sufficient because it typically excludes damages that occur on or around the water. The unique risks you face, from a slip on a wet dock to damaging a client’s high-value vessel, require a comprehensive insurance package.<\/p>\n
Here are the key types of insurance a boat cleaning and detailing business in Florida should consider:<\/p>\n
This is the most essential policy for your business. It is a specialized form of general liability insurance designed for marine trades. It protects you from third-party claims of bodily injury and property damage, and it is a common requirement to get a contract or work at a marina. An MGL policy should include:<\/p>\n
If you have employees, you are legally required to carry workers’ compensation in Florida.<\/p>\n
If you use a vehicle to transport your equipment, cleaning supplies, or employees to and from job sites, you need a commercial auto policy. This is distinct from a personal auto policy and provides liability and physical damage coverage for business use. Some marinas may require you to have this to operate on their property.<\/p>\n
Despite the name, this policy has nothing to do with the ocean. It is a type of property insurance that covers your tools, equipment, and supplies. This is especially important for mobile detailers. Inland marine insurance protects your expensive equipment, like pressure washers, buffers, and vacuums, from damage or theft while in transit or at a client’s location.<\/p>\n
The marine industry is highly specialized, and so is its insurance. It is highly recommended that you work with an independent insurance agent or broker in Florida who specializes in marine artisan insurance. They can help you:<\/p>\n
We Insure all counties Escambia, Santa Rosa, Okaloosa, Walton, Bay, Gulf, Franklin, Wakulla, Jefferson, Taylor, Dixie, Levy, Citrus, Hernando, Pasco, Pinellas, Hillsborough, Manatee, Sarasota, Charlotte, Lee, Collier, Monroe, Miami-Dade, Broward, Palm Beach, Martin, St. Lucie, Indian River, Brevard, Volusia, Flagler, St. Johns, Duval, and Nassau.<\/p>\n
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Call Dorsal Insurance today for a quote (786) 601-2485<\/span><\/p>\n