Boat & Marine Insurance
For Florida Waters
From 16ft center consoles to 60ft motoryachts, Bulls Insurance Group specializes in marine coverage for Florida boaters — hull protection, liability, hurricane haul-out, and everything in between. Agreed Value policies so you never get shorted on a claim.
Everything Your Vessel Needs
A complete marine policy covers your boat, your passengers, other boaters, and Florida's unpredictable weather — all in one place.
Hull & Physical Damage
Covers physical damage to your boat from collision, fire, sinking, theft, storm, vandalism, and more. We offer Agreed Value policies — meaning you get the full insured amount, not a depreciated payout.
- Agreed Value vs. Actual Cash Value options
- Collision with another vessel or object
- Fire, theft, and vandalism
- Storm and weather damage
- Sinking and submersion coverage
On-Water Liability
If you cause an accident that injures another person or damages their boat or property, liability coverage pays for their losses and your legal defense. Marinas and some waterways require it.
- Bodily injury to others
- Property damage to other vessels
- Legal defense costs
- Fuel spill liability
- Wreck removal liability
Medical Payments
Covers medical expenses for you and your passengers injured while on your boat — regardless of who caused the accident. No fault determination needed, no waiting for a lawsuit to settle.
- Medical bills for you & passengers
- No fault determination needed
- Covers water skiing & tubing injuries
- Emergency rescue costs
- Dental injury coverage
Uninsured Boater
Florida's waterways have plenty of uninsured boaters. If one of them hits you and they can't pay, this coverage steps in and pays your medical bills and damages just like their insurance should have.
- Coverage when the other boat has no insurance
- Hit-and-run boat accidents
- Underinsured boater protection
- Covers all passengers aboard
- Applies in most FL waterways
Hurricane Haul-Out
When a named storm threatens, Florida marinas issue haul-out orders. This coverage reimburses your haul-out and storage costs so protecting your boat doesn't come out of pocket.
- Haul-out & storage reimbursement
- Covers named storm preparations
- Shrink-wrapping and securing costs
- Transport to storage facility
- Some policies include lay-up credits
Towing & Emergency Assistance
When your engine dies, you run out of fuel, or you run aground on a sandbar in Tampa Bay, towing coverage pays to get you back to the dock. Tow bills in Florida can easily hit $500–$2,000+.
- Towing to nearest marina
- Emergency fuel delivery
- Jump starts and battery service
- Soft grounding assistance
- On-water repair if possible
Every Type of Vessel on Florida Waters
From a 16ft bass boat to a 65ft motoryacht — if it floats in Florida, we insure it.
Sailboats
Day sailers to offshore cruisers with blue-water sailing endorsements available.
Sport Cruisers
Bowriders, cuddy cabins, and express cruisers up to 40ft.
Pontoon Boats
Family pontoons and tritoons for Florida lakes and bays.
High-Performance
Go-fast and offshore racing boats with specialty programs.
Yachts
Motoryachts and express yachts from 40ft to superyacht referrals.
Personal Watercraft
Jet Skis and WaveRunners for recreational and rental use.
Commercial Vessels
Charter boats, dive boats, and for-hire fishing vessels.
Fishing Boats
Center consoles, bay boats, flats boats and offshore rigs.
Why Florida Boating Requires Real Coverage
Boating in Florida isn't the same as boating anywhere else. The risks are bigger — and so is the need for the right policy.
#1 Boating State in the Nation
Florida has more registered boats than any other state — over 900,000. That means more boats on the water, more uninsured operators, and more risk every time you leave the dock.
Hurricane Season is Real
June through November, every Florida boat owner needs a plan. Named storm preparation — haul-out, storm anchoring, or marina storage — can cost thousands. Your policy should cover it.
Liability Without Limits Gets Expensive
A collision on the ICW, Tampa Bay, or the Gulf can easily result in a six-figure lawsuit. Without proper liability coverage, your personal assets — home, savings, vehicles — are on the table.
Navigation Territory Matters
If you boat beyond your policy's navigation territory (often coastal waters within 75 miles), you may not be covered. We make sure your territory matches how you actually use your boat.
How Florida Boaters Use Their Coverage
Weekend Boater — Tampa Bay
24ft center console, family fishing & weekend cruising
James keeps his center console at a Manatee County marina. He takes the family out on weekends and does some offshore fishing. His marina requires liability insurance as a condition of the slip.
The Coverage
Agreed Value hull ($65K), $300K liability, uninsured boater, medical payments, towing, and hurricane haul-out reimbursement. All in one clean policy.
The Peace of Mind
If James causes an accident that injures another boater, his $300K liability means the lawsuit doesn't follow him home. And if a named storm destroys his boat at the dock, he gets the full $65K — not a depreciated payout.
Agreed Value vs. Actual Cash Value —
Why It Matters on a Claim
Many boaters don't realize their policy pays depreciated value — not what they paid — until they file a claim. We always recommend Agreed Value policies when possible.
Actual Cash Value
- Pays depreciated market value
- A 10-yr-old boat pays less than paid
- You absorb the depreciation loss
- Common in cheaper policies
Agreed Value ✓
- Pays the full insured amount
- No depreciation deducted
- You agreed to the value upfront
- What we always recommend
Why Florida Boaters Choose Bulls
We live and work on the same Gulf Coast waters you boat. That's not marketing — it's why we know what coverage you actually need.
Gulf Coast Specialists
We know Sarasota Bay, Tampa Bay, Charlotte Harbor, and the Gulf. Our clients boat these same waters — we understand Florida marine risks like no out-of-state insurer can.
Independent Agency
We shop your vessel across 20+ top-rated marine carriers — not just one company. You get real options and a policy that fits how and where you actually boat.
Agreed Value Advocates
We always push for Agreed Value policies. When you have a total loss, you deserve the full insured amount — not a depreciated check that doesn't cover replacement.
Same-Day Marina Certs
Your marina needs a certificate now? We issue same-day certificates of insurance so you don't miss a weekend on the water waiting on paperwork.
Claims Advocacy
When you file a claim after a storm, collision, or theft, we're in your corner — not the carrier's. We help you document, file, and fight for a fast, fair settlement.
More Than Just The Boat
Your family depends on you, not just your vessel. We help boaters build the personal financial layer too — IUL, annuities — so your family is covered on water and off.
Get Your Boat Insurance
Quote Today
Tell us about your vessel and we'll get you a competitive Agreed Value quote from top-rated marine carriers. Same-day marina certificates available.
Boat & Marine Insurance Quote
Tell us about your vessel and we'll do the rest.