HullGulf & Eastern Seaboard
Claims Frequency Map
Loss frequency by coastal zone, 2021–2025. 4,370 marine claims processed. Data informs every policy we write.
Miami–Fort Lauderdale
What Your Policy
Actually Covers.
Hover each tile to see a real-world scenario. These are actual claim types from our book, anonymized.
Agreed Value Hull
Total Loss & Partial Damage
Full replacement cost, not depreciated market value. What you insure is what you collect.
"Your 58' Hatteras strikes an uncharted shoal off Bimini. Total constructive loss declared."
P&I Liability
Protection & Indemnity
Bodily injury, property damage, and wreck removal liability arising from vessel operation.
"Your guest slips on the swim platform at the dock. Fractured hip, surgery, lost wages."
Hurricane Haul-Out
Named Storm Preparedness
Covers haul-out costs, storage, and repositioning expenses when a named storm threatens.
"Category 4 approaches Fort Lauderdale. Emergency haul, inland storage for 18 days."
Salvage & Wreck Removal
Federal Compliance
Wreck removal costs are a federal obligation. This coverage ensures compliance without bankruptcy.
"Vessel sinks in a federal waterway. USCG orders removal. Crane barge, divers, disposal."
Uninsured Boater
Underinsured Collision
When the at-fault vessel has no coverage, your policy responds. Medical, repairs, total loss.
"Collision at ICW marker. Other vessel: no insurance, no assets. Your crew: two injuries."
Tender & Dinghy
Auxiliary Vessel Extension
Your RIB, dinghy, jet ski, and water toys are covered under the primary policy blanket.
"Tender stolen from stern davits in Nassau harbor. 15-hp outboard, the dinghy itself."
How We Benchmark
Against the Market.
Numbers from our 2025 book of business, benchmarked against IMUA industry medians. No rounding.
Renewal Retention Rate
Clients who renew with Hull year over year vs. industry average.
Avg. Claims Turnaround
Days from first notice of loss to payment. Industry median is 34 days.
Surveyor Network
Credentialed marine surveyors in our network across the Gulf and Eastern Seaboard.
Claims Paid Rate
Percentage of valid claims paid without dispute or litigation.
Ready to Bind?
Or just exploring?
Two paths from here. Both lead to better coverage than you have now.
Get Your Custom Quote
Full application. A licensed underwriter reviews your vessel, navigation area, and survey findings. Binder-ready in 24 hours for most risks.
- Agreed value hull + P&I in one policy
- Hurricane haul-out included
- Survey findings reviewed, not penalized
- Binder issued before sea trial closes
2025 Coastal Risk Report
44 pages. Hurricane corridor loss modeling, marina fire frequency by port, and a full breakdown of what drives your renewal rate. Used by fleet managers and brokers from Fort Lauderdale to Newport.
- Hurricane corridor loss modeling (2019–2025)
- Marina fire frequency by port
- Survey finding impact on renewal rate
- ICW vs. Bluewater loss comparison