Ports and maritime businesses are an essential part of our economy and trade. Personnel that are skilled and experienced in providing marine repair and cleanup services play an important role in marine operations, especially after disasters such as Hurricane Harvey that directly impact port operations. As a business owner, you need to make sure that you’re insured against damages when doing business. Just as you need insurance protection to cover accidents while driving, you need coverage to cover the work done by ship repairers and other related trades.
Insuring Marine Tradespersons
You may be wondering what kind of coverage is included with “boat cleaning insurance.” The policy you need should cover not only general and specific property and casualty coverage, but also professional liability insurance to cover errors and omissions for contracted work that results in losses to your business. Such insurance should be tailored to the needs of your company which may or may not include the following:
- Electronics installation and repair
- Engine repair and servicing
- Boat cleaning and detailing
- HVAC and other mechanical systems repair
- Brightwork, woodwork refinishing
- Light carpentry work
- Sail repair and new canvas installation
- Upholstered soft goods manufacturing and repair
- Painting and coating
Getting Ready and Staying Prepared
When it comes to protecting your business, you need to have a plan in place. Hurricanes and other natural disasters can be quite unpredictable in terms of the extent of the damage. Just as you need a restoration plan in place with qualified personnel, you need an insurance policy that covers the work from these marine tradespersons.