Insurance Program

Underwritten by Great American Insurance Company
Rated: A+ XV by A.M. Best Company and administered exclusively through Fisk Marine Insurance International LLC

Insurance Program Highlights

• -  Special Discounted Pricing for HDA Members

• -  Fast Turnaround time for quoting and servicing

• -  Specifically intended and designed to cover Divers who Clean and Inspect of Hulls, Props & Running Gear, Changing Zincs and Un-fouling and/or Changing Propellers for pleasure craft and some commercial watercraft and also retrieval of dropped objects at various marinas and / or residential docks that are not owned by the Diver.

• -  Can also include up to 10% other work such as minor repair to docks, piers, mooring buoys anchor chains, etc.
  Insurance Program Coverages Available:
  Marine General Liability
  Carrier will pay those sums that the Insured becomes legally obligated to pay as damages because of “bodily injury” or “property damage” to which this insurance applies. See full policy for details.

Automatically Included Endorsements:

Limited Pollution Coverage for Maritime Operations

Policy is extended to pay for “bodily injury” or “property damage” that you become legally obligated to pay as a result of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of “pollutants” from your Maritime Operations only. See full policy for details.

Ship Repairers Legal Liability

agrees to pay on behalf of the Insured all sums which the Insured, as ship repairer, shall become legally obligated to pay:
a. by reason of the liabilities imposed upon the Insured by law for physical loss of or damage to watercraft and/or their equipment, cargo, motors, machinery, electronics, and/or other interests on board, occurring only while such property of others is in the care, custody or control of the Insured for the purpose of repair or alteration or maintenance within the “coverage territory”; See full policy for details.

Blanket Additional Insured

Carrier agrees that policy shall include as Additional Insureds any person or organization to whom the Named Insured has agreed by written contract to provide coverage, but only with respect to operations performed
by or on behalf of the Named Insured – see full policy for details.

Blanket Waiver of Subrogation

Carrier agrees to waive any rights of subrogation to which carrier may be entitled if prior to an “occurrence,” the Named Insured has agreed to such waiver in writing, but only to the extent required by said written
agreement. – See full policy for details.

Optional Endorsements:

Tools and Equipment – optional

If chosen and premium paid for, insures against all risks of direct physical loss of or damage to the property scheduled herein, from any external cause, except as provided elsewhere in this section of the policy – see full policy for details.

Hired & Non-Owned Auto Liability – optional

If chosen and paid for, Carrier will pay all sums an "Insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, caused by an "accident" and resulting from the maintenance or use of a “hired auto" or use of a “non-owned auto”. – See full policy for details.

Owned Work Boats – optional

Protection & Indemnity Liability
Hull & Machinery – Physical Damage to Hull, Motor(s) and Trailers