Commercial Craft Insurance
We provide tailored vessel insurance for businesses that own and operate marine craft, from commercial workboats and windfarm vessels, to fishing trawlers and charter fishing boats. We can assist with a bespoke commercial marine insurance solution for your business, helping to protect your vessels, from the boatyard to the open waters. "When your boat is your livelihood, it's important to have adequate protection in place to reflect your risks, not only for the vessel itself, but its crew and any other third parties”.
Specialist insurance for UK commercial craft operators. We cover craft operating in UK waters, up to 100ft in length and £3 million in value.
At Topsail Insurance we recognise every business has unique challenges when managing and mitigating risks, we tailor cover according to their specific vessels and business operations
Supported Vessel Types:
Specialist workboats (such as survey boats, wind turbine maintenance vessels, and crew transfer vessels)
Fishing Vessels: Netting, Potting & Long Lining o Vessels for coastal charter
Skippered and bareboat charter
Sightseeing tours
Passenger Ferry ( Up to 20 passengers )
Hire Fleets
Core Insurance Coverage (What We Cover)
Vessel Property Cover: Protection for the vessel, its gear, and equipment, whether it is ashore, afloat, or whilst in commission.
Damage to the Vessel: Accidental damage to the vessel whilst in use or laid up out of commission.
Theft & Vandalism: Theft, malicious acts, and vandalism, including the forcible removal of gear from the exterior of the vessel.
Salvage & Wreckage: Salvage, removal of wreck, and removal fees connected with the vessel.
Transit Protection: Transit cover for the vessel whilst in transit by road.
Liability Protection: for the business against passenger or third-party claims.
Policy Extensions & Optional Add-ons:
These can be selected depending on your specific business use and vessel types.
Crew Protection: Employers liability cover for the skipper and crew, alongside personal accident cover for the skipper and crew.
Legal Compliance: Crew liability features designed specifically to comply with current relevant UK legislation.
Operational Assets: Protection for stock used on the vessel.
Shore-Based Assets: Coverage for incidental shore-based property, such as a physical ticket office.
Machinery Risks: Machinery damage coverage, including latent defects and full perils.
Medical Expenses: Integrated personal accident and medical expenses insurance options
