Coverage for Projects On or Near Water
When Construction Meets Marine Risk
Marine construction brings a different set of exposures than land-based work. Jobs along the St. Johns River, the Intracoastal Waterway, Tampa Bay, or South Florida canals often involve barges, docks, marinas, seawalls, and shoreline equipment. Marine liability insurance helps cover third-party injury, property damage, and legal costs tied to those operations.
GM Insurance Underwriters arranges marine liability coverage for Florida contractors who
work over water, near shorelines, or in tidal zones. We look closely at the job type, equipment used, and contract language so the policy lines up with how your crews actually work.
Florida-specific Marine Considerations
Coastal Jobs, Tidal Changes, and Storm Exposure
Florida marine projects are affected by shifting tides, heavy boat traffic, and hurricane season. A barge bumping a neighboring vessel, equipment drifting during a storm, or debris entering a channel can turn into a major claim if coverage is not properly structured.
We help clients working in areas like Mayport, Ponte Vedra, St. Augustine, Clearwater, St. Pete, and Miami Beach plan for these realities with
limits and endorsements that make sense for the job.
Questions Florida Marine Sontractors Ask
Do I need marine liability if I already have general liability?
If your operations involve work on, over, or next to water, many carriers require marine coverage because general liability may exclude those risks.
Does marine liability cover pollution?
Some policies can include limited pollution coverage related to marine operations. For broader environmental protection, we often add a dedicated contractors pollution policy.
How are marine policies priced?
Pricing depends on job type, locations, equipment, claims history, and vessel exposure. We’ll review your scope and shop carriers that write Florida marine risks.