One Storm.
One Mistake.
One Loss.
Out here, things don't go wrong slowly. A storm shifts. A wake hits wrong. A dock line snaps.
And now you're dealing with damage, liability — or a total loss.
From 16ft center consoles to 60ft motoryachts, Bulls Insurance Group builds Florida marine policies that cover your vessel, your passengers, and everything tied to it. Agreed Value 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
Water doesn't give you time to react. Damage escalates. Rescue situations become real. Liability multiplies fast.
Hurricane & Marina Damage
After hurricanes like Ian and Irma, entire marinas were left in ruins — with vessels destroyed, displaced, or stacked on top of one another. One storm can wipe out years of investment overnight.
Boating Accidents
Florida consistently ranks among the highest states for boating accidents, with operator inattention and inexperience leading causes. Congested waterways around Tampa Bay, Sarasota, and Charlotte Harbor amplify risk year-round.
FWC — Florida Boating Accident DataBoat Fires & Fuel Risks
Boat fires linked to fuel system issues or electrical faults can escalate quickly — often damaging multiple vessels in a single marina incident. What starts small doesn't stay small.
USCG — Recreational Boating StatisticsRough Water & Capsizing
Sudden weather shifts and afternoon thunderstorms — a Florida daily occurrence — can turn a routine outing into an emergency. Smaller vessels and overloaded boats are especially vulnerable. Calm water turns fast.
NWS — Marine Weather SafetyPassenger & Liability Exposure
When passengers are involved, liability exposure multiplies fast — especially in injury or emergency situations involving multiple claimants. One incident on Tampa Bay or the ICW can easily generate a six-figure lawsuit.
III — Boat Insurance BasicsSmart Boat Owners Do This
They don't just insure the boat. They increase liability limits, add umbrella protection, cover equipment and upgrades — because one claim can go far beyond the vessel.
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.
The Real Risks of Boating in Florida
Hurricanes. Collisions. Fires. Capsizing. Passenger lawsuits. Backed by NOAA, FEMA, FWC, and U.S. Coast Guard data — everything Florida boat owners need to understand before leaving the dock.
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.