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How to Navigate Marine Insurance in 2021

By Jennifer Brett
Updated: June 30, 2021

If you’ve been on the hunt for a marine insurance policy over the past year or so, you likely already know that it’s a challenging market. Sailing and cruising groups on social media and web forums are filled with frequent posts about people struggling to find coverage, keep coverage, or just afford it. It’s a problem that seems to be affecting beginning cruisers and circumnavigators, with old boats or new. So what gives? How did the situation get to this point, and what can sailors do to protect their dream?

“I’ve been doing this for 30 years, and I’ve never seen a market this hard,” said Morgan Wells, a yacht-insurance specialist with Jack Martin and Associates. “There’s been a great reduction in the number of insurance companies writing boat and yacht insurance, and the international-cruiser segment of the market has been more adversely affected, particularly for boats anywhere on the US East Coast, and even more so for people looking for new policies for Florida, the Bahamas and the Caribbean.”

Indeed, cruisers across the spectrum of locations and sea time are feeling the pinch. When looking to renew their current insurance policy last year, circumnavigators Behan and Jamie Gifford, who live aboard their 1982 Stevens 47, were met with a surprise. “When it came time to renew, we were quoted more than double our cost for insurance the year we planned to cross the Indian Ocean, 2015—an arguably very risky navigational area—and we now had the added requirement of a third adult for passages,” Behan said. “In the end, we didn’t renew at all, and currently have liability-only insurance. I’m not pleased about that and hope to get back to full hull insurance when the market comes around.”

Owners of newer boats don’t seem to be having an easier time either. “We bought a 2015 Jeanneau 64 in October 2020,” Dan Stotesbery said. “I have a lot of experience sailing, but none of it was logged, so I don’t have any credentials like a Yachtmaster or anything like that. My wife has even less experience. When we heard it was tough getting insurance, we were definitely worried about getting covered. Complicating the situation was that the boat was in Turkey, and I needed to sail it across the Atlantic to get to my wife and family. We reached out to the company that insured our house to see if they could find us a company that would insure the boat and especially the crossing. We received two quotes back and ended up getting insured with Concept Special Risk. They did put in a lot of stipulations, like we needed to have a captain for the crossing and at least two other people with bluewater experience, a list of countries we aren’t allowed to go in, and a 250-miles-from-land limit once the crossing was complete. It was extremely expensive, and there was an additional cost for the crossing.”

Changing Marketplace

So how did it get to this point? “We need to put it into context of a market that was very soft for many years—underwriters were looking for business,” Wells said. “There was a bit of a hiccup in the mid-2000s with some fairly significant storms, but generally it didn’t cause much change, and underwriters were still looking for ways to say yes. But then in 2017 came hurricanes Irma and Maria, then Dorian in 2019—these were extremely large losses to very large fleets of boats. Since 2017 we have seen the market flip from a soft to a hard market, and in fact, a very hard market by early 2021. We really have a big change now with fewer insurance companies and greater demand for insurance. And the pricing is much higher than it was a year ago. Irma and Maria showed the vulnerability in the market.”

Laura Lindstrom-Croop from Legacy Underwriters, noted that “many insurance companies left the Caribbean market in 2019-20. Pantaenius America was the first to leave,” she said. “The agency that I work with had YachtInsure, which lost its underwriter, Aspen Insurance, last summer. They have recently secured a new carrier, Clear Blue Specialty, that is writing new business but has new guidelines. Our second underwriter, Concept Special Risk, lost its company, Great Lakes Insurance, on January 1, 2021, but now it has a new company, Clear Springs Property and Casualty, that is writing new business with new guidelines.”

Suzanne Redden, mid-Atlantic branch manager for Gowrie Group, has had a similar experience. “Traditionally, when we would have someone coming in with a sailboat who wanted to do extended cruising, we had five, six, seven…at least that many companies who were willing to write that policy,” Redden said. “So there really wasn’t too much of an issue finding coverage for the customer, depending on where they wanted to go and their level of experience, that sort of thing. What we’re really struggling with now—and it’s a struggle—is that so many carriers have basically pulled out that our options are very limited as far as who is willing to write Caribbean navigation and worldwide navigation. Our choices are few. And what happens then is, of course, the prices go up because the company’s philosophy is ‘no one else wants to write here; we’ll write here, but this is what our actuaries tell us it’s going to cost to allow us to do that.’ So that’s why the rates have gone up.”

The cost to insure his Jeanneau 64 was definitely a bit of a surprise to Stotesbery: “The policy had to be paid upfront. That was the biggest surprise to us because we are used to paying car insurance monthly. This is also a hurdle that I think can be hard to overcome for some people. Not a lot of people have that kind of cash on hand to just fork out.”

Underwriting Difficulties

Along with higher costs, Redden also pointed out that the underwriting has changed a lot too. “Where before you would have had somebody who maybe had just a year or two experience, or they had just bought a boat, more companies would have been willing to let them take a trip. They look at it much more closely now when a new submission comes in. That’s made it more difficult, I think, for that sort of person to find insurance.”

According to Emma Whittemore, a service manager for BoatU.S./Geico Marine Insurance, underwriting has become much more sophisticated. “With the growth of data, insurance companies can really tell what group is a high-risk group,” she said. “We’re monitoring a lot more to make sure that the right people are behind the helm on these big, 35- to 60-foot boats. We want to make sure it’s not these customers’ first boat, and that they really know what they’re doing. Underwriting is fluid, but in general we always like to look at the ownership experience.”

This has been a particularly vexing problem for potential cruisers. Dana Fairchild and her husband live in Minnesota and have been planning for their cruising dream for the past few years. The couple has taken ASA sailing courses and chartered on Lake Superior but never owned their own sailboat. “Our cruising plans are to buy a boat large enough to live aboard; a 35- to 38-foot Island Packet is what we have in mind,” she said. “Due to the price point of Island Packets, we are looking at models from the 1990s. We plan to keep it on the East Coast of the US—somewhere above the hurricane zone during hurricane season, and probably down to Florida in the winter—for the first six months to a year while getting comfortable with the boat and used to the liveaboard lifestyle. After that we want to head to the Bahamas for a while, and eventually work our way down to the rest of the Caribbean and stay there.”

While the couple hasn’t purchased a boat yet, they’d heard the news that insurance might be difficult to find, so they reached out to a few companies to explain their plans and intended boat. “The short answer to what we’ve been hearing from insurance agencies is no. The reason for this is predominantly that we have not owned our own boat that is of comparable size, or at least within 10 feet. They don’t take into consideration that we have sailed and chartered boats of the same size, but really only want to see that a boat of comparable size was titled to us for at least two years”

This boat in Coconut Grove, Florida, nearly sank from all the debris.

Looking Ahead

So when faced with a denial, a notice of nonrenewal or a steep increase in premiums, what can a cruiser do? Is there coverage available? “What I am seeing, you have more choices if you limit your cruising to the US East Coast down to the Turks and Caicos,” Lindstrom-Croop said. “If you go to the Eastern Caribbean, you have fewer carriers, and some are writing coverage that doesn’t include hurricanes.

“I think cruisers are going to have to be patient and flexible. Also, update your sailing resume so when you shop around, you are giving the company a reason to give you the maximum credit available. Lower rates are probably not going to happen for a couple of years, climate change is weighing heavily on insurers, and the large number of storms recently is worrisome.”

Communication is crucial. Each of the insurance professionals I spoke with made it clear that underwriters are looking much more closely than in years past, and detailed sailing resumes and hurricane plans can help your chances. For newer cruisers, scaled-back sailing plans could help as well because finding coverage for a smaller cruising area will likely be much easier than, say, the entire East Coast and Bahamas. And for older vessels, a survey might be required for renewal.

“Some of the companies have gone to where they won’t write a boat over 40 years old,” Redden said. “Gowrie Group offers the Jackline program, which is a cruising program through Markel Insurance, which is really one of the last US companies still doing extended cruising, but they’re very restrictive on what they will write and how they’ll write it. But they will take older boats. Experience is the key.”

“It is harder to insure an older boat, but it can be done,” Lindstrom-Croop said. “There are just fewer markets. An older boat needs to be maintained well and have a current survey, within three years. I like to submit the survey along with the application when marketing so the underwriters can see the boat.”

For the time being, it seems that cruisers, such as Stotesbery, who currently have—albeit expensive—coverage are doing what they can to keep it. “We have had several major repairs to do on the boat, which we probably could have put in a claim for, but we are too worried about getting dropped or not covered next year, so we just paid for the repairs,” he said. “So it’s sort of a Catch-22. Unless we have a catastrophic type of claim, we don’t want to make one, but we still pay the high premium without really being able to take advantage of the protection. We will definitely start shopping again once we get closer to our renewal date. Unfortunately, there just aren’t a lot of insurance choices out there, so it is quite limiting, and they hold all of the cards.”

Others, such as the Giffords, are going without full coverage for now, while potential cruisers, such as the Fairchilds, might need to put their dream on hold. “As for how this is impacting our plans, it has really made us start to second-guess that this is even a possible plan. We have become discouraged, and this has really put a halt to most of the steps we were taking,” Fairchild said.

Wells, Redden and Lindstrom-Croop are optimistic for things improving in the insurance market over the next year or so, but all emphasize having patience. “We’re hoping that things will change for the better,” Redden said. “We’ve got some companies now that pulled out that are coming back, but it’s a very slow process.”

Jennifer Brett is CW’s senior editor.

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04-01-2021, 07:14
Boat: Bowman 57 Ketch : Searcher	coverage for yachts in the November edition of magazine. You can down load the issue, free, at . The guru Don Street and I each authored two articles on yacht . The January issue has my article on coverage, insurance options and evacuation for and cruisers sailing outside the US. Id be grateful to learn of what options youve found for future articles. If you are dreaming of sailing the islands of the , or are doing so now, Caribbean is full for useful and fun reading. Free paper copies are available throughout the islands, but online PDF is easier to get.

08-01-2021, 00:42
Boat: SOLD! 2005 Lagoon, 440, owners version	. Got a link?

08-01-2021, 07:55
Boat: Bowman 57 Ketch : Searcher	, hit the menu bar, went to the PDF download and wound up with the entire issue. My article on insurance is on page 26. Let’s see if I can attach the text here: Medical Insurance for Caribbean Cruisers By David Lyman / CaribbeanCompass.com “Kids! Help!” I shouted from the bow. “I can’t move.” Something in my lower back had snapped. I lay flat on my back on the next to the , a sharp knife stabbing into my spine. “Roll me over,” I managed to say. “Gently.” My two , ages nine and 11, rolled me over so I could rise up into a crouch. “What happened?” asked Renaissance, my daughter. “I was hauling in the . I pulled too hard. Now, help me back to the .” They were helpful, if too much so, but I managed to get into a sitting position on the seat. My back gives me these spasms from time to time. An old skiing . When they come, I’m in eye-watering pain. I’d rather have a root . I need an adjustment by a chiropractor. It’s a simple maneuver. He jumps on me, twisting my hips one way and shoulders in the opposite directions. I hear and feel something in my lower back ‘snap’ and the pain is gone. I’m sore for a few days as the muscles along my spine recover and mend. I needed a chiropractor now. We’d been anchored in Prickly Bay on the island of for a few weeks. A search found a chiropractor in nearby Le Phare Bleu. Julie, my wife, called and made an appointment for the next day. The got the up and secure, and we motored over, in Petit Calivigny. The helped me into the for the short ride to the marina. The doctor’s clinic was a short walk up the street. He had me sorted me out and back in shape in 20 minutes. EC$60 (approximately US$22). A few months later the back went out again while in the shadow of the Pitons on St. Lucia. We found a chiropractor’s clinic in Rodney Bay. Again, for EC$60 I was fixed up. Time to do some The older I get, the more I’m at risk of hospitalization, or at least a visit to a local island clinic. What are my options? When in trouble, I tell those who sail with me, seek local knowledge. I asked the editor of this magazine what she and her husband do for medical care, living as they do full time on Bequia. “The Bequia Hospital has been great for routine mishaps and follow-ups, and the dentist and dermatologist we see on St. Vincent, for example, are excellent and much more reasonably priced than those in the States,” she said. “But we are both covered by Medicare, so we fly to the States for anything really serious.” She added, “Why don’t you write an article on medical insurance for cruisers to follow up on the yacht insurance stories in the November issue?” There are clinics on most islands and hospitals on the larger ones. Naturally, some are better than others, so it’s wise to ask local folks for recommendations. While treatment is generally at much less cost than back home, it will be an out of pocket expense. So, what about medical insurance — especially for a serious injury or illness? Medical insurance for cruisers and Caribbean residents If you are a US citizen, retired and over 65, you probably have Medicare, Part A and B. Medicare does include treatment in the USVI and , but with limited facilities there. And, even at home, Medicare does not cover all medical costs. You’re stuck paying 20 percent for an outpatient visit, and a hefty co-pay for hospitalization. If you travel outside the US, there are few situations where Medicare might reimburse your out of pocket costs. There are supplemental policies (such as MediGap) you can buy that will fill in what Medicare will not, and some plans include travel outside the States, but for only a limited time. If you are under 65 you may already have private medical insurance, but will it cover medical expenses when cruising in the Caribbean? A hospitalization plan such as Blue Cross/Blue Shield might cost you in excess of $10,000 a year (prices in this article are given in US dollars unless otherwise specified). That’s the of a new set of , an replacement, or the entire cost of a in the Caribbean. Got any options? Sure, haul the and stay at home. Okay, I agree: lousy idea. What else? . I’ll share what I’ve learned. This is not the complete story; it’s just my story. You’ll need to do your own research, read the fine print on various policies, chat with agents, confer with and make your own choices. It’s not easy, and it’s not inexpensive. A few of those I chat with at beachside bars admit they self-insure their and their bodies. It’s a gamble. But, they tell me, after raising for 30 years, self- insurance has worked so far. The only times I’ve had to seek medical services in the Caribbean were those two chiropractors. What if you stuck away $200 a month in a savings account, just for medical emergencies? Create your own insurance plan. In a year, you’d have $2,400. That’s a plane ticket home for treatment, or an outpatient visit to an island clinic. Now, add in another wrinkle. I hear that some islands, such as , the and the Turks & Caicos, are now requiring proof of coverage on clearing in, to include Covid-related treatment. MediGap Insurance? If you’re a US citizen on Medicare, you might consider a MediGap policy, a supplemental policy to cover what Medicare does not. I’m a of AARP (American Association of Retired Persons). I requested their “Supplement” brochure and received a 30-page booklet listing a dozen plans. Plans D and N looked good, as they covered travel abroad, but I had questions. I called AARP and spoke with a rep. We went through the application process, using me as the subject. At the end, if I was in perfect , which I am, with no “prior existing conditions” the supplemental “N” policy, which covers travel, would cost me $172.25 a month. It would cover me for what Medicare would not — but only for the first 60 days of being outside the US or its territories. There’s got to be a better way. For those spending an entire year or season on their or in an island residence, Medicare, even with the supplemental plan, appears inadequate. What do you do you do after the 60 days — fly home every time you need medical attention? Many I’ve talked with do just that. Or you pay out of pocket to an island clinic. Variables and Possibilities What might it cost to fly back to your home country for medical attention? Less than $1,000 on a regular scheduled airline. What if the medical situation required an immediate evacuation flight to your hospital at home? I called two medevac companies based in . A flight from to Boston would take three to four hours, and would cost between $28,000 and $48,000. Ouch! There’s got to be a cheaper alternative. I found SquareMouth.com, a helpful travel insurance comparison website. I typed in my age, resident state, length of my travels (in this case four months), and received three suggestions. I asked for medical and Covid coverage, plus evacuation coverage. I got back three quotes. One looked very attractive, at $227. It was the Safe Travelers’ Voyager plan from Trawick International Insurance. Others came in at over $1,000. The policy details were available, easily read and understood. I e-mailed Kasara at SquareMouth with a series of questions and got an immediate response. Was the $227 quote from Trawick International Insurance, a one-time payment, or monthly? She wrote, “It will cover the four months you requested on the application. It will cover evacuation and medical and it will cover Covid. “Travel insurance policies are dependent on three main factors,” she added, “trip length, traveler’s age and, if including trip cancellation coverage, the cost of the trip. Some policies are rated better for travelers of a certain age, or for travelers who are taking trips of a certain length.” Many of the policies I explored wouldn’t cover those over 84, 75, even 65. When it came to the “evacuation” part, she wrote, “The policy language for a medical evacuation will vary by travel insurance provider, but in most cases, an evacuation must be ordered by a licensed physician, who certifies that the traveler requires an evacuation due to the severity of their injury or illness.” The Gowrie Group agency in Westport, Connecticut, specializes in insurance. They insure yachts and megayachts, yacht clubs, sailing programs, professional crews, , dockyards, as well as providing medical and travel insurance. I spoke with Rick Bagnall, an agent in their division. I couldn’t pin Rick down to a specific policy and cost. “There are too many variables and possibilities,” he said, adding he needs to talk a client through the options to find the best fit. “I can put you in a comprehensive medical plan that’s global for less than most US carriers,” he said. I wasn’t successful in digging more out of Rick; I’ll leave that up to you should you call him. But I was impressed with the Gowrie Groups’ website (Gowrie.com), and their involvement in the marine community. I also found Cigna ( ), a worldwide insurer with an “expat” policy for those residing in or visiting another country for an extended period. I filled in the online form with a few particulars and a reply came back instantly. I saw a US number and called. Ashley helped me through the process of getting a quote. She wanted to know my age and length of stay abroad, and walked me through the options for coverage. I wanted to be covered for sickness, or injury. I might need stitches, a cast for a broken arm, or a test if I wasn’t feeling great. “These are all out-patient services and would be covered.” I asked about Covid-related treatment. “Yes, it would be covered the same as any sickness.” How about a Covid test? “If you are experiencing symptoms, yes, the test is covered. If you just wanted see if you had Covid, that’s discretionary, and would not be covered.” “Evacuation?” she asked. Yes, I wanted to consider getting flown home. “That would also cover ‘repatriation.’” “There’s a difference?” I asked. “Yes. Evacuation is to get you to the nearest medical facility; repatriation is to get you all the way home.” “Do you want dental coverage?” She asked. No, I said, there are dental clinics on most of the islands, and most cost a lot less than those in the States. “It looks like the plan you’ve requested will cost $1,870 a month,” she said when the quote arrived on her . “How much if we take away the evacuation/ repatriation coverage,” I asked. “That would bring your plan down to $1,734.” Ouch! That only saves a C-note. “If we remove coverage while in the US,” she added, “that brings your plan down to $1,402.” I wouldn’t need Cigna’s coverage once back in the States, as I’m covered by the Veteran’s Administration and Medicare. “The outpatient part of your plan is $600 all by itself,” she added. Is that a month, I asked? “Yes, a month.” Now I have to think, what’s my best guess as to what I might need while I’m floating around in the Caribbean? The only medical attention I’ve needed in 20 years of Caribbean cruising was the of a chiropractor, and that was an out-of-pocket expense I gladly bore. While a visit to an emergency ward in the States could cost me $3,500, outpatient care in an island clinic would be a lot less. But were I to have a stroke, a heart attack, a serious liver infection, I’d need hospitalization. If it were elective surgery, I’d fly back to the States. Ashley sent me an e-mail with the final quote. The came down to $908.37 a month. That’s $10,000 a year. The policy would not cover outpatient care, but would cover: cost share with a $0 out of pocket maximum. Inpatient day patient & accommodations costs - Paid in full for a private room. Cancer care - paid in full. Cigna provides a card, much like a Medicare card, that you show to the care provider and they bill Cigna directly. Theirs is not a reimbursement plan. Cigna pays the provider directly, and the coverage is worldwide, except, in my case, with no coverage in the States. What about repatriation or evacuation? Now how about getting me stateside and to the VA or Medicare facility? I can usually fly home for less than $1,000. But if I’m unconscious, strapped to a , and in need of immediate attention I might need a medevac flight. There are a number of plans that might cover an evacuation or repatriation flight back to the hospital at home. DAN, Divers’ Alert , was originally for divers needing emergency evacuation for medical services or a decompression chamber. DAN now has similar service for boaters (DANBoater.org). DAN is not medical insurance. It does not cover doctors or hospitals, but they do provide a hot line where people can talk with a medical pro who can advise on stabilizing the patient and then make arrangements for transportation to a nearby medical facility, if needed. They do not provide repatriation, except if you die. Then they will ship home what’s left of you. The cost of is $60 per individual and $100 for the family for boaters. Global has been round since 2004. They provide global medical services. You can call them on satphone from your yacht, the top of mountain or your rental and speak with a medical pro who walks you through stabilizing the patient. If more immediate medical treatment is needed, Global arranges for evacuation to the nearest “appropriate” medical facility. Once there, Global’s medical team will consult with the onsite doctor, and if agreed, Global will cover repatriation to the patient’s home hospital. Global is not medical insurance. They don’t cover doctor, emergency ward or hospitalization expenses. Their website ( . com) has an easy to complete form that gives you an immediate annual membership fee, based on the length of time you are more than 100 miles from home. When I plugged in my information, half a year’s coverage would cost me $514. A full year would be $639. Global deals with explorers, extreme skiers, mountain climbers, and sailors in far-off places. They also provide travel advisories to high-risk countries and extractions from dangerous situations. All you need is a satphone, service, or a text message device such as the inReach. Medaire ( ) is a medical service company that deals with airlines, private jet clients and megayacht crews. They have a hotline, provide for yacht crews, and will assemble your medical kit. The megayacht community is their primary client, but they do have a package for the private family yacht. So, I’m thinking... A call to a medical pro at DAN or Global might replace or augment a visit to a local clinic. If I am to treat myself, I’ll need a well-equipped first aid kit and some . My captain’s requires I have completed a CPR course. Companies like Medaire can provide training and there are companies that will help you put together a first aid medical kit, based on crew size, age, medical and . I asked Chris, a sailing friend and registered nurse, how she handles medical emergencies. She and her husband live half of each year on a small Caribbean island. “I have medical kits here that include most of our needs for lacerations, cuts, sprains and burns, along with basic medications including antibiotics, steroid creams, and some over-the-counter pain meds. I want to be prepared to treat us for minor issues. If it were something serious, we’d fly to , , or home to .” There are clinics throughout the islands, but their capabilities vary widely and their budgets are sometimes stretched. For $514, I’d call Global and talk with a medical pro before going ashore to a clinic that has been well recommended for the particular care I needed. Final Thoughts My was insured for $150,000 total loss, with a $2,000 deductible on lesser losses or damage. The annual premium? $3,500. That’s close to $300 a month. What am I worth? Certainly more than the value of my boat. Am I willing to gamble that fate will not saddle me with a serious ailment or injury, something I can’t fix myself? What would make me feel better about the future, a $60 membership with DANBoater.org? A $514 membership with Global ? Each of those gives me access to and, if necessary, evacuation. A $227 insurance plan with SquareMouth (Trawick) might cover the local emergency ward and attending doctor expense. And, if needed, a flight to Florida, , or home with the cost covered. Medigap is not helpful after the second month of being away. The $900 a month policy with Cigna would be helpful in my situation, as I have the VA (I’m a veteran) and Medicare covering me at home. For those of you with no medical insurance who are cruising full time, it’s either self-insurance or something like the Cigna plan. But as Rick from the Gowrie Group said, “There are too many variables and possibilities.” I hope this article has enticed you to do your own research.

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Abeking and Rassmussen Adrina Alubat Alliaura Marine Antares Yachts Azzura Cabo Rico Class Yacht CNB Superyacht Comar Contest Yachts Cookson DK Yachts Delfine Denchomarine Derecktor Elan Marine Fantasi Yachts Finngulf Goetz Grand Soleil Latini Marine Lerouge Yachts Marten Maxi Yachts McMullen and Wing Morris Yachts Murtic Yachts Newport Nordia Passport Pendennis Perini Navi Reichelpugh Rivolta Royal Huisman Sangermani Santa Cruz Seawind Cats Sparkman and Stephens

Alden Allied Amel Angleman Arcona Baltic Bavaria Bayana Beneteau Bruce Roberts C and C Cal Cantiere del pardo Grand Soleil Catalina CCYD Cheoy Lee Damstra Dean Dehler Delphia Deutsche Werke Dufour Duwamish Erickson Fisher Fountaine Pajot Freedom Freeport Fuji Gib Sea Gulfstar Hanse Yachts Hallberg Rassy Kelly Herreshoff Hinckley Hunter Hylas Kanter

Island Packet Islander Jenneau Jomeri Jongert Lagoon Littleharbor Maio Manta Marten Moody Morgan Nauticat Nautor Niad Pacific Seacraft Pearson Privilege Sabre Saga Saturna Schock Seawind Skookum Southern Ocean Spencer Swan Tartan Tayana Trintella Tripp Design Valiant Vismara Vitters Westsail Warwick Wyliecat X-Yachts

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Fill out the Sailing Yacht Insurance Quote Form to get started. Or call us at 954-523-6867 and we will be happy to help you.

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C ARIBBEAN BOAT and YACHT I N S U R A N C E by W.R. Hodgens Marine Insurance, Inc. 1425 South Andrews Ave Suite 250 Fort Lauderdale, FL 33316 Ph: 954-523-6867 Fax: 954-523-6488 Toll Free USA: 800-990-WAVE (9283)

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Let us guide you out of troubled waters... With Caribbean Alliance Marine Insurance

We provide comprehensive Marine coverage for yachts and pleasure craft in a plain-English format to cover a range of circumstances. Coverage includes windstorm on a full-year basis, without the requirement that vessels move to southerly latitude during the hurricane season.

There are a range of insurance policies for the protection and security of private recreational boat owners and commercial operators.

There is no such thing as a standard policy, so discuss appropriate coverage for your watercraft with your local Caribbean Alliance representative .

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Serving the Needs of Boat Owners, the Charter Fishing Industry, and Cargo Companies

Aerial view of people relaxing on Catamaran at anchor outside of Lavango Cay, United States Virgin Islands

Boats are part of everyday life in the Caribbean. Regardless of whether your boat is used solely for recreation or it’s part of your trade, it’s essential to protect your investment from common risks. Not only can boats be damaged or destroyed in hurricanes, tropical storms, and other extreme weather events, but they may unexpectedly strike underwater objects. Unfortunately, boats can also be subject to criminal mischief such as theft and vandalism.

At Caribbean Risk Group, we assist private and commercial boat owners in safeguarding their vessels with tailored insurance policies that meet their specific needs.

Comprehensive Coverage for Boats

There are many considerations when it comes to tailoring a boat insurance policy, including the age and condition of the boat, the value of the watercraft, and where it will be operating. Specifically, these types of policies are generally divided into two parts — physical damage and liability. While physical damage coverage applies to accidental loss or damage, liability pays for damage that your boat might cause to others.

A boat insurance policy typically covers the following:

Damage to the boat, anchors, and equipment
Destruction caused by collision,
Damage caused by fire, lightning, and windstorms
Theft or vandalism
Property damage liability
Bodily injury liability
Guest passenger liability
Medical expenses

Although taking out an “all risk” policy offers a significant amount of protection, it’s critical to understand that not every type of loss is covered. In certain situations, it may be a good idea to secure additional coverage for the boat’s trailer and any accessories. Other add-ons to your policy can include salvage, towing, cruising, and consequential damage costs.

The insurance team at Caribbean Risk Group understands that your boat isn’t just a piece of property to you — your boat helps you create memories with friends and family and gives you the opportunity to explore new places. We take the time to evaluate your needs and will customize a policy that provides you with peace of mind knowing that the value of the vessel you worked hard to acquire is safeguarded.

Protecting Your Livelihood with Charter Boat Insurance

Charter boats have very specific insurance requirements that are vastly different from recreational boats. Whether you operate a charter fishing or sightseeing business, it’s crucial to have insurance coverage in place that protects your vessel — and your livelihood. Importantly, carrying passengers comes with a significant amount of responsibility and it’s vital to shield yourself from liability arising from unforeseen accidents or injuries.

Insurance coverage for charter boats can include the following:

Protection and indemnity
Passenger medical expenses
Pollution liability
Towing and emergency assistance
Dockside liability
Replacement vessel liability
Shoreside liability
Personal property and fishing tackle coverage
Liability coverage for the employment of the captain and crew

Making sure you have adequate and affordable coverage for your charter operation should be a top priority. The coverage you need can vary, based on how many passengers your boat will be carrying, how often you will be chartering, and the type of charter operation. The experienced team at Caribbean Risk Group can help you navigate the complexities of charter boat insurance and help you select coverage that fits the needs of your business.

Safeguarding Your Goods and Cargo with Ocean and Inland Marine Insurance

Manufacturers and commodity traders have unique insurance needs — weather events, fires, and theft are just a few of the many risks associated with shipping and logistics that can threaten your business. Having the protection of a solid marine insurance policy is imperative to safeguard your investment from these exposures. While ocean marine insurance covers cargo and merchandise as it is transported over water, inland marine insurance shields you from losses in connection with transportation on land.

Marine insurance is highly specialized, and each policy must be tailored to meet the needs of your industry. At Caribbean Risk Group, we understand that there are multiple levels of risk involved when it comes to transporting goods. We skillfully assess your company’s insurance requirements and will create a comprehensive plan to ensure your assets and bottom line are protected from loss.

Contact Caribbean Risk Group to Learn More About Our Services

Caribbean Risk Group is committed to assisting boat owners, charter companies, and cargo shipping businesses with a wide variety of insurance needs. Located in St. Thomas, our team will discuss your options and help you implement cost-effective solutions for your charter, boat, and marine insurance needs. Contact us for a free quote today by calling (340) 774-2323.

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About Caribbean Risk Group

Our Insurance Products and Services for Watercrafts

Insurance for active cruisers cruising and yacht insurance.

BluewaterYacht Insurance covers active cruising boats all over the world. Our goal is to provide insurance products and services that are crafted specifically for active cruisers. By specializing in this one area, we can focus all of our expertise and energy on that single goal. BluewaterYacht is the leading innovator of marine insurance products in the offshore industry.

Thirty years ago, the CEO, Donald Spink, of BluewaterYacht Insurance developed the first two-crew, worldwide navigation program for the Seven Seas Cruising Association. Today, we insure thousands of cruising yachts all over the world.

We also have options available for worldwide health and travel insurance. Twenty years ago, when Bluewater sailors told us that international health and accident coverage was important to them, we built a program specific to their needs.

Get a Competitive Boat Insurance Qoute

For more information, our exclusive, online quick quote yacht system allows you to get a competitive boat insurance quote backed by A+ rated underwriters. We can also provide a quote for your boat insurance coverage over the phone. If you compare our quotes on an "apples to apples" basis, our comprehensive marine insurance programs have the lowest prices and the absolute best coverage! Sure, you can find a cheaper policy but when you have a claim, nothing will be covered. The proof is in the policy wording.

Specialized Boat Insurance for Cruisers

BluewaterYacht Insurance provides two-crew yacht coverage worldwide. We designed this program around experienced, safety oriented, owner-operators of sailboats and motor yachts. To qualify, an owner-operator must have the equivalent of 10 years of boating experience, established through a combination of boating experience and marine qualifications such as USCG AUX and USPS courses, USCG license, ASA sailing courses, weather and navigation courses, etc. One fundamental concept involved in safe cruising is to stay out of the hurricane zone during the hurricane season. Our boat insurance quotes are structured so you only pay for the coverage (navigation limits) you need. Should your cruising itinerary change, you can always move from any one of the following navigation areas with an endorsement, and most of the time, you do not have to change insurance companies!

We Offer Discounts

For boats in Florida, the Bahamas, Gulf States, or the Caribbean Sea, our policies provide named and numbered windstorm coverage without restrictions with deductibles as low as 4% with an approved Hurricane Preparedness Plan (HPP) that you will provide. If you are in the Caribbean Sea, we offer discounts if you are not between 12 degrees 40 minutes N LAT to 23 degrees 30 minutes N LAT while between 55 degrees W LON and 85 degrees W LON, from July 1 to November 1.

We offer additional discounts for boats not south of 31 N LAT (Florida – Georgia border) from June 1 to November 1.

We also offer discounts for boats not north of 12 N LAT (Grenada) from June 1 to November 1.

Other Policy Provisions We Offer Are:

Agreed Value Policies: For partial losses, this policy DOES NOT have a depreciation schedule, so coverage is new for old. BluewaterYacht Insurance is one of very few boat insurance companies that offer "new for old" on partial losses. Most companies depreciate sails, spars, fabrics, finishes, or machinery of the vessel. Others have even longer depreciation schedules for partial losses. This option applies to vessels over 25 years of age.

Loss of Use: A clause which pays the necessary increase in living expenses incurred, to maintain the customary standard of living of that named insured, which exceeds one thousand dollars payment under this clause shall be limited to ten thousand dollars for any single occurrence regardless of the number of named insured's. Payment under this clause shall be further limited to the expenses incurred until the named insured settles in a new residence or the vessel is repaired or replaced. No payment shall be made under this clause for travel expenses.

Extended Navigation Limits: We can extend the navigation limits to include Cuba, Mainland Colombia, Haiti, Venezuela, the Eastern Mediterranean Sea, Russia, transit of Cape Horn. etc.

Coverage for Racing

✔ Paid crew liability for private &and pleasure use as well as charter boats.

✔ Limited pollution coverage with a limit of $939,800 with no additional premium.

Hurricane Haul Out Coverage: In the event, the National Weather Service issues a tropical depression, tropical storm, or hurricane watch or warning for the area where your boat is located, we will share 50% with you the reasonable cost to a) have the vessel hauled out of the water, stored until the watch or warning has ended, and then launched in the same general area, or b) have the insured vessel moved to a safe harbor including docking or mooring fees.

BluewaterYacht Insurance offers quality US and UK carriers, rated "A+" by A.M. Best & Company. BluewaterYacht’s worldwide boat insurance programs have become the standard for domestic and international voyagers providing $50,000 to $5,000,000 of two-crew “agreed value” hull insurance anywhere on the globe. Our international health plans have become the most widely subscribed cruisers' health insurance programs on the offshore market.

For a cruising and yacht insurance quote, call (561) 743-3442 .

white sailboat on sea under blue sky during daytime Sailboat Insurance

A Guide to Sailboat Insurance

Imagine sailing freely on the open seas, wind in your hair and a sense of adventure in your heart. But amidst the exhilaration, don’t forget the importance of protecting your sailboat.

In this guide, we’ll show you how to navigate the world of sailboat insurance, helping you choose the right coverage, avoid common mistakes, and lower your premiums.

So set sail with confidence, knowing that your prized vessel is safeguarded against any unforeseen circumstances.

Table of Contents

Understanding Sailboat Insurance Coverage

You should consider reviewing your sailboat insurance coverage to ensure you’re adequately protected. As someone who values freedom and adventure, it’s important to understand the ins and outs of your insurance policy.

Finding affordable sailboat insurance can be a challenge, but with a few tips and tricks, you can secure the coverage you need without breaking the bank.

When searching for affordable sailboat insurance, start by comparing quotes from different providers. Look for companies that specialize in marine insurance as they may offer better rates and tailored coverage options. Additionally, consider bundling your sailboat insurance with other policies like auto or home insurance to potentially save money.

Understanding liability limits is crucial when it comes to sailboat insurance. Liability coverage protects you in case of accidents or injuries caused by your sailboat. It’s important to assess your risk exposure and choose liability limits that adequately protect your assets. While higher limits may come with a higher premium, they offer greater financial security.

Don’t forget to review the terms and conditions of your sailboat insurance policy. Look for any exclusions or limitations that may affect your coverage. It’s also a good idea to regularly reassess your insurance needs as your sailboat usage and value may change over time.

Types of Sailboat Insurance Policies

When considering sailboat insurance policies, it’s important to thoroughly compare and understand the different types available. Sailboat insurance provides essential protection for your vessel and yourself while out on the open water.

Here are some key types of sailboat insurance policies to consider:

Liability Limits: This type of insurance policy covers any damages or injuries caused to others while operating your sailboat. It’s important to carefully review the liability limits of each policy to ensure you have adequate coverage in the event of an accident.

Coverage Exclusions: It’s crucial to carefully review the coverage exclusions of each policy to understand what isn’t covered. Some common exclusions may include wear and tear, damage caused by improper maintenance, and acts of war or terrorism. Make sure you’re aware of these exclusions to avoid any surprises down the line.

Additional Coverage Options: Many sailboat insurance policies offer additional coverage options that you can choose from based on your specific needs. These options may include coverage for personal belongings on board, emergency towing services, and even coverage for racing events.

Factors to Consider When Choosing Sailboat Insurance

Considering the sailing conditions and intended use of your sailboat is crucial when choosing insurance coverage. There are several factors to consider when selecting sailboat insurance that will best suit your needs.

First, you need to take into account the sailing conditions you typically encounter. Are you sailing in calm waters or do you venture into rough seas? The type of coverage you choose should align with the risks associated with your sailing environment.

Second, think about the intended use of your sailboat. Do you use it for leisurely weekend trips, or do you participate in competitive racing? Different insurance policies offer varying levels of coverage for different uses.

To make it easier for you, here is a table summarizing the factors to consider when choosing sailboat insurance:

Factors to Consider	Sailing Conditions	Intended Use
Coverage Options	Calm waters	Leisure
Deductible Amount	Rough seas	Racing
Liability Limits
Premium Costs

Navigating Liability Coverage for Sailboat Owners

There are several key factors to understand and navigate when it comes to liability coverage for sailboat owners, such as the amount of coverage needed and the potential risks involved. It’s important to have a clear understanding of liability limits and how they can protect you in the event of an accident.

Here are some points to consider:

Liability Limits : Determine the appropriate liability limit for your sailboat insurance policy. Higher limits provide more coverage in case of accidents or damages caused by your sailboat. It’s crucial to assess your personal risk tolerance and the potential costs associated with liability claims.

Coverage Exclusions : Familiarize yourself with the coverage exclusions in your policy. These are specific situations or events that may not be covered by your insurance. Understanding the exclusions can help you make informed decisions and potentially avoid costly surprises in the future.

Special Considerations : Take into account any special considerations related to your sailboat. For example, if you plan to charter your boat or participate in races, you may need additional coverage. Discuss these factors with your insurance provider to ensure you have the appropriate coverage for your specific needs.

Protecting Your Sailboat Against Physical Damage

To protect your sailboat against physical damage, it’s important to have insurance coverage that includes accidents and the cost of repairs.

Accidents can happen unexpectedly, whether it’s a collision with another boat or damage caused by severe weather conditions.

Coverage for Accidents

You should definitely check if your sailboat insurance policy includes coverage for accidents caused by collisions with other vessels. Accidents can happen, and the cost of repairs can add up quickly. It’s important to have the proper coverage in place to protect yourself and your investment.

Here are a few common accidents that could occur while sailing:

Collisions with other vessels: Accidents happen, and if your sailboat collides with another boat, it can result in significant damage. Make sure your insurance policy covers this type of accident.

Groundings: Running aground is a common occurrence for sailors, especially in shallow waters. If your sailboat gets stuck on a sandbar or hits a submerged object, it can cause damage to the hull and other parts of the boat.

Storm damage: Severe weather conditions can cause significant damage to your sailboat. High winds, heavy rain, and rough seas can lead to costly repairs.

Having the right insurance coverage can give you peace of mind and protect you from unexpected expenses. Take the time to review your policy and make sure you have the coverage you need.

Cost of Repair?

If your sailboat sustains physical damage, it is important to consider the cost of repair in order to make an informed decision about your insurance coverage. Understanding the cost of repairs will help you evaluate whether it is worth filing an insurance claim or paying out of pocket. To assist you in this process, here is a breakdown of the typical cost of repairs for common sailboat damages:

Damage Type	Cost of Repair
Hull damage	$2,000 – $10,000
Mast damage	$1,500 – $5,000
Sails damage	$500 – $3,000
Rigging damage	$1,000 – $6,000
Engine damage	$2,000 – $8,000

Specialized Coverage for Racing Sailboats

When it comes to racing sailboats, specialized coverage is essential.

Unlike regular sailboats, racing sailboats have unique policy considerations that need to be taken into account.

From coverage for regattas and races to higher premiums and deductibles, it’s important to understand the specific insurance needs of racing sailboats.

Racing Sailboat Coverage

Make sure your racing sailboat coverage includes specialized coverage for racing events. Racing sailboats require specific insurance coverage to protect against the unique risks involved in competitive sailboat events. Here are three important considerations to keep in mind when selecting your coverage:

Hull Insurance : This coverage will protect your sailboat from damage caused by accidents, such as collisions or grounding during a race.

Liability Insurance : In the fast-paced world of racing sailboats, accidents can happen. Liability insurance will cover any damages or injuries caused to others during a race.

Equipment Insurance : Racing sailboats often have specialized equipment that can be expensive to replace. Ensure your policy covers the cost of repairing or replacing your racing gear, such as sails, rigging, and instruments.

Unique Policy Considerations

There are three important policy considerations to keep in mind when selecting coverage for your racing sailboat.

First, make sure to thoroughly review the policy exclusions. These are the situations or events that your insurance company won’t cover. It’s important to understand these exclusions so that you can plan and prepare accordingly.

Second, pay close attention to the coverage limits. These limits determine the maximum amount that your insurance company will pay in the event of a claim. It’s crucial to assess these limits to ensure that they align with the potential risks and costs associated with racing sailboats.

Premiums and Deductibles

You should carefully consider the premiums and deductibles associated with specialized coverage for your racing sailboat. Sailboat insurance can provide peace of mind and financial protection in case of accidents or damage. To make the most informed decision, here are some key points to consider:

Premium discounts: Look for insurers that offer premium discounts for safety measures such as having a boating safety course, installing safety equipment, or having a clean claims history. These discounts can help reduce your overall insurance costs.

Choosing deductibles: Deductibles are the amount you pay out of pocket before your insurance coverage kicks in. Higher deductibles usually result in lower premiums, but it’s essential to ensure that you can comfortably cover the deductible amount in case of a claim.

Specialized coverage: Racing sailboats often require specialized coverage due to their unique risks. Make sure to evaluate the coverage options available for racing sailboats and choose a policy that adequately protects your investment.

Exploring Additional Coverage Options for Sailboat Insurance

Can you explain the benefits of adding additional coverage options to your sailboat insurance policy?

As a freedom-seeking sailor, you understand the importance of protecting your beloved sailboat from any unforeseen events. Exploring coverage limits and understanding policy exclusions are crucial steps in ensuring comprehensive protection.

By adding additional coverage options to your sailboat insurance policy, you gain peace of mind and the freedom to navigate the open waters without worry.

One of the main benefits of adding extra coverage is the ability to customize your policy to meet your specific needs. You can choose to enhance your coverage for damages caused by natural disasters, such as hurricanes or storms. This ensures that even in the face of nature’s fury, you’ll be financially protected.

Another important coverage option to consider is liability insurance. This protects you in the event that you cause damage to another person’s property or injure someone while operating your sailboat. By having this additional coverage, you can sail with confidence, knowing that you have the means to handle any potential liability claims.

Furthermore, adding coverage for personal belongings onboard your sailboat is essential. This protects your valuable possessions, such as electronics, navigation equipment, and personal belongings, from theft, loss, or damage.

Tips for Lowering Sailboat Insurance Premiums

If you maintain a good sailing record and take a boating safety course, you may qualify for lower sailboat insurance premiums. Here are some tips for reducing sailboat insurance costs and strategies for lowering sailboat insurance premiums:

Shop Around : Don’t settle for the first insurance provider you come across. Take the time to compare different policies and prices to find the best deal for you. Consider factors such as coverage limits, deductibles, and additional benefits.

Increase Deductibles : By opting for a higher deductible, you can lower your insurance premiums. Just make sure you have enough savings to cover the deductible in case of an accident.

Bundle Your Policies : Many insurance companies offer discounts when you bundle your sailboat insurance with other policies such as auto or home insurance. This can lead to significant savings on your premiums.

By following these tips and strategies, you can lower your sailboat insurance premiums and enjoy the freedom of sailing without breaking the bank.

The Claims Process for Sailboat Insurance

To expedite the claims process for sailboat insurance, make sure to promptly report any damages or accidents to your insurance provider. Time is of the essence when it comes to filing a claim, so don’t delay in notifying them about any incidents that occur. By doing so, you’ll help ensure that the claims process runs smoothly and efficiently.

When it comes to the claims process, it’s important to understand the timeline involved. Insurance companies typically have specific timeframes within which you’re required to report and file a claim. Familiarize yourself with these deadlines to avoid any potential complications or delays in receiving your settlement.

In addition to reporting the incident promptly, it’s crucial to gather all necessary documentation to support your claim. This may include photographs of the damage, estimates for repairs, and any relevant police or incident reports. By providing thorough documentation, you can help expedite the claims process and increase the likelihood of a favorable outcome.

Common Mistakes to Avoid When Insuring Your Sailboat

You should always carefully review your sailboat insurance policy to avoid common mistakes that could leave you underinsured in the event of an accident. Sailboat insurance is essential to protect your investment and ensure your peace of mind while out on the open water.

Here are some common mistakes to avoid:

Not understanding liability requirements : It’s crucial to familiarize yourself with the liability requirements set by your state or marina. Failure to comply with these requirements could result in legal consequences and financial burden in case of an accident.

Ignoring coverage limits : Many sailors make the mistake of overlooking the coverage limits in their policy. It’s important to know the maximum amount your insurance company will pay in the event of a claim. If your coverage limit is too low, you may end up having to pay out-of-pocket for damages or injuries.

Neglecting to update your policy : As your sailboat ages or you make modifications, it’s essential to update your insurance policy accordingly. Failing to do so may result in inadequate coverage or even denial of a claim.

By reviewing your sailboat insurance policy, understanding liability requirements, paying attention to coverage limits, and keeping your policy up to date, you can ensure that you have the right coverage in place to protect yourself, your sailboat, and your freedom on the water.

Stay safe and enjoy your adventures worry-free!

Expert Advice on Choosing the Best Sailboat Insurance Policy

When comparing sailboat insurance policies, it’s important to consult with experts who can provide guidance on finding the best coverage for your specific needs. Understanding liability and having adequate coverage for accidents are crucial aspects of sailboat insurance. You want the freedom to explore the open waters without worrying about financial burdens in case of an unfortunate incident.

To begin, liability coverage is essential because accidents can happen, even to the most experienced sailors. Imagine a scenario where your sailboat collides with another vessel, causing damage to both boats and possibly injuring individuals. Without proper liability coverage, you could be held personally responsible for the expenses, which could be financially devastating. So, make sure your policy covers liability for bodily injury and property damage.

Additionally, coverage for accidents is vital. Sailboats are susceptible to various risks, including storms, collisions, and even theft. Accidents can result in significant damage to your boat, leaving you with hefty repair or replacement costs. Having comprehensive coverage that includes accidents will ensure that you’re protected financially if the unexpected occurs.

To find the best sailboat insurance policy, consult with experts who specialize in this field. They can evaluate your needs, explain the various coverage options, and help you find a policy that provides the right protection for your sailboat adventures. Remember, the freedom to sail without worry comes from having the right insurance coverage.

Frequently Asked Questions

Can i insure my sailboat if it is older or in need of repairs.

Yes, you can insure your older sailboat or one that needs repairs. Sailboat insurance providers understand that boats age and require maintenance. They offer coverage options to protect your investment and give you peace of mind.

What Is the Difference Between Agreed Value and Actual Cash Value in Sailboat Insurance?

When it comes to sailboat insurance, understanding the difference between agreed value and actual cash value is crucial. Agreed value ensures you’ll be compensated for the agreed upon value, while actual cash value takes depreciation into account.

Are There Any Discounts Available for Sailboat Insurance if I Have Completed a Boating Safety Course?

Yes, completing a boating safety course can make you eligible for discounts on sailboat insurance. Not only will you save money, but you’ll also gain valuable knowledge that will benefit you on the water.

Does Sailboat Insurance Cover Me if I Sail in International Waters?

Does sailboat insurance cover you when sailing in international waters? You’ll be glad to know that many policies do offer coverage for international sailing, giving you the freedom to explore the open seas worry-free.

Can I Add Coverage for Personal Belongings and Equipment Stored on My Sailboat?

Yes, you can add coverage for your personal belongings and equipment stored on your sailboat. Sailboat insurance offers coverage options for personal belongings and equipment protection, giving you peace of mind while enjoying your freedom on the water.

Scott is a devoted boat enthusiast and provides invaluable insights, tips, and advice on boat insurance coverage, industry trends, and maintenance. Marine Insurance Now is the go-to resource for seasoned boat owners seeking insurance guidance and aspiring sailors embarking on nautical adventures. Scott's expertise and infectious passion make his blog a must-read for boat enthusiasts and is making waves in the boating community.

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Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

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You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

Here are a few things to consider as you prepare for the discussion:

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

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Plaintiff:	Caribbean Cove Boat Storage
Defendant:	Atlantic Casualty Insurance Company
Case Number:	2:2024cv01153
Filed:	August 23, 2024
Court:	US District Court for the Western District of Louisiana
Nature of Suit:	Insurance
Cause of Action:	28 U.S.C. § 1332 Diversity-Breach of Contract
Jury Demanded By:	None

This docket was last retrieved on August 23, 2024. A more recent docket listing may be available from PACER .

Date Filed	Document Text
August 23, 2024	Filing 1 COMPLAINT against Atlantic Casualty Insurance Company (Filing fee $405, receipt number ALAWDC-6038454) filed by Caribbean Cove Boat Storage. (Attachments: #1 Civil cover sheet)(Attorney Craig Ray Hill added to party Caribbean Cove Boat Storage(pty:pla))(aty,Hill, Craig)

Use the links below to access additional information about this case on the US Court's PACER system. A subscription to PACER is required.

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Disney Launches New Pirates of the Caribbean Attraction Without Jack Sparrow, Eliminates Johnny Depp

in Disney Cruise Line

A group of people wait in line under hanging lanterns at the entrance to the Pirates of the Caribbean ride. The ride's sign, featuring tattered black cloth with orange text, is prominently displayed above the queue. The architecture is themed with arches and wooden beams.

Disney is coming out with a new Pirates of the Caribbean experience, and while it might take place on a boat like many of the classic Disney park attractions you have been on in the Pirates of the Caribbean genre, it will be very different from that.

disneyland-paris-pirates-of-the-caribbean

The iconic Pirates of the Caribbean ride at Disneyland was the brainchild of Walt Disney and his Imagineers.

Inspired by the success of other boat rides like “”it’s a small world”,” Disney envisioned a pirate-themed attraction that would immerse guests in a thrilling adventure.

The development of Pirates of the Caribbean began in the late 1950s and involved extensive planning and design. The ride was originally conceived as a walk-through museum featuring wax figures of pirates. However, the success of boat rides at the 1964 New York World’s Fair led to a shift in plans, and a boat ride concept was adopted instead.

Jack Sparrow Pirates of the Caribbean at Disneyland

Pirates of the Caribbean opened at Disneyland in 1967, just three months after Walt Disney’s passing. The ride quickly became a beloved attraction, captivating audiences with its immersive storytelling, animatronics, and thrilling water effects.

The ride takes guests on a journey through the Golden Age of Piracy, immersing them in the world of swashbuckling adventure. The story unfolds as guests board boats and navigate through a pirate-themed environment, encountering various pirate characters and scenes. The ride culminates in a climactic battle against the pirates and a plunge into the “Pirates Lair.”

The ride then moved to Disney World in 1973 after the demand for the attraction became so strong. Initially, Disney did not think that people would want a Caribbean style attraction in Florida due to the similar nature of the environments, but that was simply not true.

The success of the Pirates of the Caribbean ride inspired the creation of the popular film franchise of the same name. The films, starring Johnny Depp as Captain Jack Sparrow, have been praised for their action, humor, and adventure. The ride’s iconic themes and characters have been seamlessly translated to the big screen, captivating audiences worldwide.

The Pirates of the Caribbean film franchise has achieved immense commercial success. The five films in the series have collectively grossed billions of dollars at the box office (over $4.5 billion), making it one of the highest-grossing film franchises of all time. The popularity of the films can be attributed to the strong storytelling, charismatic characters, and visually stunning action sequences. From this, Disney has updated their Pirates of the Caribbean attractions to include Jack Sparrow, tying the old storyline with a new guest.

Pirates of the Caribbean Jack Sparrow animatronic

Pirates of the Caribbean has become a beloved part of Disney’s legacy, inspiring generations of fans. The ride’s enduring popularity and its successful transition to the film franchise demonstrate the power of storytelling and immersive experiences. As Disney continues to innovate and expand its offerings, Pirates of the Caribbean will remain a timeless classic, captivating audiences for years to come.

We have seen this through further developments of the IP with Disney. In Magic Kingdom, for example, a Pirates of the Caribbean-themed lounge is being constructed. While we do not know too much about the new lounge, we do know that the Barker Bird, also known as Peg-Leg Pete, will be the main “character” of the bar’s backstory. Concept art also shows Redd, one of the fictional pirates from the ride, in the lounge.

Concept art for the Pirates of the Caribbean ride themed lounge at Magic Kingdom Park.

Now, that is not the only new Pirates of the Caribbean addition that Disney is creating.

The new Disney Destiny ship for Disney Cruise Line will have Cask and Cannon, a new pub inspired by Pirates of the Caribbean. So, as we promised, another Pirates of the Caribbean Disney offering on a ship, but unlike the ride, you can enjoy a relaxing drink on this version.

Today, Disney shared a new look at the pub. Reporter Scott Gustin posted:

NEW: The Disney Destiny will sail its maiden voyage from Port Everglades in Fort Lauderdale on Nov. 20, 2025. And here’s a new look at Cask and Cannon, a new pub inspired by the “Pirates of the Caribbean.”

NEW: The Disney Destiny will sail its maiden voyage from Port Everglades in Fort Lauderdale on Nov. 20, 2025. And here’s a new look at Cask and Cannon, a new pub inspired by the “Pirates of the Caribbean.” pic.twitter.com/J4BAY0K6IB — Scott Gustin (@ScottGustin) August 26, 2024

Even with Johnny Depp now removed from the Pirates of the Caribbean franchise following the recent controversy between him and his ex-wife Amber Heard, Disney is reportedly looking to move forward with the franchise with a sixth film as a reboot, meaning a new cast and storyline will enter the stage for Pirates of the Caribbean 6.

Disney Cruise Line has just announced that the Disney Destiny will embark on its maiden voyage from Port Everglades in Fort Lauderdale, Florida, on November 20, 2025. This special four-night cruise will be the first chance to explore everything the new ship has to offer, including stops at both of Disney Cruise Line’s island destinations in The Bahamas – Disney Castaway Cay and Disney Lookout Cay at Lighthouse Point!

A black and yellow sign displays "Disney Destiny Nassau" with a spider web held by a Spider-Man figure on the right and two smaller spider-like characters on the left. A life preserver is on the top left, framed by intricate web patterns. This new icon celebrates Disney Cruise Line’s 29-year tradition.

Following the maiden voyage, the ship will begin an inaugural season of four- and five-night cruises to The Bahamas and Western Caribbean. Each sailing will feature a day of fun in the sun at either Disney Castaway Cay or Disney Lookout Cay — with some itineraries visiting both! — Select cruises will include additional stops in Nassau, Bahamas, or Cozumel, Mexico, for an even warmer-weather adventure.

The ship will be a sister vessel to the upcoming Disney Treasure, launching in December, and the Disney Wish.

Disney has unveiled exciting details about its upcoming cruise ship, Destiny. Inspired by iconic Disney, Pixar, and Marvel characters, the ship will offer a truly immersive experience for guests of all ages.

The accommodations on Destiny will be themed after beloved Disney characters and stories. Concierge staterooms and suites will feature artwork inspired by Fantasia and The Incredibles , while the luxurious Destiny Tower Suite will evoke the sleek industrial design of Iron Man’s world.

The ship’s dining options will also reflect the Disney theme. Guests can enjoy meals at Café Megara, inspired by Hercules , and Café Merida, themed after the Brave character. The Pride Lands: Feast of the Lion King dining experience will offer live music and storytelling in a stunning savanna-inspired setting.

For a sweet treat, Edna Á La Mode Sweets will delight guests with confectionery creations inspired by the Incredibles character. The Sanctum lounge will transport guests to the world of Doctor Strange, featuring themed décor and signature cocktails.

Destiny will also feature a variety of entertainment options, including the return of the AquaMouse water ride with a new storyline inspired by Disney villains. The ship’s Grand Hall will pay homage to Black Panther, featuring a statue of T’Challa and Wakanda-inspired décor.

The ship will offer meet-and-greets with beloved Disney characters, including Maleficent, Hades, and Captain Hook. A new Broadway-style stage show inspired by Hercules will also be featured.

Mickey Mouse and Minnie Mouse are dressed in captain uniforms, Mickey in blue and Minnie in red, shaking hands and smiling in front of a ship's large yellow and red funnel featuring Mickey Mouse ears. The sky is clear and bright in the background.

With its innovative design, themed accommodations, dining experiences, and entertainment offerings, Destiny promises to be a truly magical cruise experience for Disney fans of all ages.

Do you plan on setting sail on the Disney Destiny?

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