Providing High Quality Marina Insurance Coverage for All Your Needs. Powered by John Scott Insurance
Welcome To My Marina Insurance
Errors & Omissions
Commercial Auto
Workers Compensation
Business Interruption
We understand that every Marina is different! You deserve an insurance program that is tailored to your operations. Using our Risk Map Analysis ™ approach, we help you navigate the rough waters of the insurance industry and customize packages specifically for your business.
As a marina owner, you understand the risks involved in your industry and the importance of having adequate insurance coverage. A comprehensive Marina Insurance program should include General Liability, Auto Liability, Marina Operators’ Legal Liability, Protection & Indemnity, Workers Compensation WITH USL&H, and a Bumbershoot (Umbrella) policy.
Marine Operators Legal Liability (MOLL) & Bumbershoot
Did you know that you ARE responsible for the value of all the vessels that are stored in your facilities? Your customers are the lifeline for your business and with the current volatility of boat replacement costs, it can be extremely challenging to place a $$$ amount on the vessels in your care, custody, and control. Between legal fees, cost of deposition, and arbitration, it only takes one catastrophic loss to sink your business if your MOLL x Bumbershoot limits are too low.
CORE VALUES
Risks You Need to Consider
Other types of Marina Insurance Coverages to Consider
Errors & Omissions (E&O) Coverages
Any errors or items left out in sales paperwork carries significant financial risk. Title E&O is a special form of insurance that provides payments to resolve titling issues. There is also Engine Hours E&O coverage which is for legal claims that come up related to problems with engines.
Commercial Auto Insurance
Covers transportation equipment used to transport vessels or conduct business.
Workers’ Compensation Insurance
To cover any incidents that can happen to employees during their work shift.
United States Longshore & Harbor (USL&H) Act
It is required by the Federal Government that certain businesses, including dock builders, ship repairers, and marine contractors provide compensation to employees for injuries sustained or illnesses contracted while performing their duties on or near navigable waters of the U.S., including any adjoining pier, wharf, dry dock, terminal, building-way, or marine railway. Workers engaged in loading, unloading, repairing, or building a vessel are eligible for coverage under the USL&H. Benefits provided by USL&H are based on wage loss and the worker’s post-injury earning capacity. If you don’t have USL&H coverage in place when a claim occurs, you will be subject to a fine of up to $10,000, imprisonment of up to one year, or both under the Longshore & Harbor Workers’ Compensation Act.
Business Interruption Coverage
When a physical loss to a covered property occurs, it can lead to costly downtime. Business interruption coverage helps marine businesses withstand a covered loss so it can resume “business as normal.”
Uninsured and Underinsured Watercraft
Provides coverage for damages an insured person is entitled to receive due to a watercraft accident caused by an uninsured/underinsured vessel.
WHO WE ARE
Our agency helps Marina owners find the lowest rates available and the best insurance plans to protect their businesses and families for decades. Let us do the same for you!
In 1960 John Scott founded his downtown office in Dowagiac, Michigan. Today, under the direction of third generation owners Todd and Amy (Scott) Marazita, the agency specializes in insuring Marina owners in Michigan, Illinois, and Indiana. Providing business owners and their families with an experienced staff of agents, “Putting the needs of our clients above all else has remained our number one priority!”
MISSION STATEMENT
“The mission of the John Scott Insurance Agency is to honor God by providing quality insurance protection at the most affordable cost, establishing a successful partnership with each client and insurance company, and providing knowledgeable and friendly customer service.”
GOAL
To Become The Greatest Service Company In The World
BRAND
To Provide The Best Customer Experience
CORE VALUES
We Will:
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CALL US TODAY! (269) 782-2123