Boat and Marine Insurance

Wilmington, NC and the US’s boat, charter and guide service insurance experts. You won’t find a better crew to protect your water lifestyle.

boat insurance

Say hello to the best Marine Insurance team in the business.

Our team of knowledgeable boat insurance professionals is experienced in creating marine and marina insurance policies designed to fit whatever your needs may be. Our goals is to foster regular communication on a one-on-one basis with our clients to develop not only the perfect insurance policy, but a lasting relationship as well.

With Wells Marine Insurance,  you’ll experience second-to-none unmatched service and attention to detail that you can only find with an independent insurance agency.

Commercial Marine Insurance

Commercial Marine business owners and operators have specific needs and unique insurance requirements. At Wells Marine Insurance, we understand this, and we specialize in it. Our job is to create commercial insurance programs that offer the broadest coverage for the most competitive price.


We work collaboratively with you to identify each detail of your business. We match these details with the most appropriate and protective programs and we touch base with you throughout the year to ensure that your policy is current.

Whether you are a part-time charter fishing guide, a full-time marine artisan, or a large marina or dive school, we will find the policy that best meets your needs and keeps you and your business protected.


Coverage options for marine businesses are as varied as the type of work available in the industry – some of which include include Liability, Property & Indemnity, and Agreed Value.

commercial marine insurance nc

Other types of coverage that we provide at Wells Marine Insurance include:

  • Disappearing hull deductible
  • Pollution liability
  • Professional angler liability
  • Dockside liability
  • Replacement vessel liability
  • Tournament fee reimbursement
  • Named storm deductible
  • Tackle and personal property liability
  • Broad navigation and boat trailering conditions

Personal Boat Insurance

For most people, owning a boat can be a dream come true. Whether you are out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.


With a Boat Owners policy from Wells Marine Insurance, you can cast your worries aside, and enjoy your time afloat knowing that you are properly insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vessels:

watercraft insurance
Yachts – Performance Boats – Sailboats – Personal Watercraft – Houseboats – Boat Trailers – and more.

What can a Boat Insurance policy cover?

Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft, as well as its motor against potential loss due to:

  • Vandalism
  • Collision with another boat or object
  • Theft
  • Damage caused by uninsured or underinsured boaters

Your policy also extends to protect extra equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is also available.

Liability Insurance can help pay for medical expenses or legal costs if you are at fault in a boating accident. Coverage options include Bodily Injury payments, Damage to another’s property, Medical Payments, Guest Passenger Liability and more.


Additional Coverage Options

At Wells Marine Insurance, we make insuring your boat or personal watercraft easy and affordable by offering extended policy benefits like On-Water Towing and Roadside Assistance when traveling with your boat.


You may also be eligible for money-saving discounts when you insure multiple watercraft or when combining your Boat and Auto policies. Even simple things like being an accident-free boater and completing a boating safety course can help you save money too.

Get to know our Marine Insurance Team

Stephen Lewis –Bio
Acct Executive – Personal & Marine
Jason Riley – Bio
Acct Exec – Commercial Marine
Lauren Smith
Account Manager – Marine
Connor Horan
Account Manager – Marine

Ready for a Quote?

Give us a call or stop by our Marine office located at 2 1/2 Marina St. Suite A in Wrightsville Beach, NC