Who we work with.
On the water, the same vessel can involve an owner, a charterer, a manager, a captain and crew; ashore, the same family can hold homes, vehicles and a company. The arrangement, not the label, decides what a policy has to say.
Nine situations, and what usually needs settling in each.
- Yacht owners. Agreed value or actual cash value, where she goes, and what the marina contract asks for. Yacht Insurance · Hull Coverage · Personal Use Coverage
- Charter and tour operators. Bareboat or crewed: who selects, pays and can dismiss the captain; whether Florida’s livery definition applies; who counts as a passenger. Bareboat Charter · Charter Business Insurance · Commercial Use Coverage · Boat Crew Coverage
- Yacht management and fleet programs. Whose vessel, whose captain, whose contract, across several owners and departure points; whether uncrewed rentals meet the livery definition. Commercial Use Coverage · Charter Business Insurance · Hull Coverage
- Captains and crew. Who employs you on each job, whose policy names you, and the personal assets behind professional work. Boat Crew Coverage · Liability Insurance
- Real estate owners and investors. How each property is occupied, whether flood is a separate policy, and what the condo association’s master policy already carries. Property Insurance · Liability Insurance
- Builders and developers. When builders risk ends, who is employed and in what trade, and which exposure sits with general liability or workers’ compensation. Property Insurance · Liability Insurance
- Professional firms. What your contracts require, and that professional liability answers a different exposure from general liability. Liability Insurance
- Businesses with vehicles and staff. Who owns and drives each vehicle; staff using their own cars for work are an employer product, not a personal one. Auto Insurance · Liability Insurance
- Households with complex assets. Replacement cost or actual cash value, who in the household drives regularly, and whether the umbrella sits over the boat and the rentals. Property · Auto · Liability · Recreational
Most owners fit more than one row.
A yacht owner with rental homes and a company is three rows, insured by several policies that have to line up. We look at them together, without pretending one policy covers everything.
Speak with Roberto.
Roberto Guerrero · President and Principal Agent · Licensed agent