Winter Risk Management for Marinas: Preparing Your Docks and Property for the Season

While boaters are hauling out for winter, marina operators face a different set of challenges. Cold temperatures, icy docks, and idle facilities can increase the risk of damage and liability - making winter the perfect time to focus on maintenance and prevention.

Here are a few key steps marinas can take to minimize risk this season:

1. Inspect and Secure Docks

   Cold weather can cause pilings and dock hardware to shift, leading to loose boards and unstable areas. Conduct a full dock inspection before freezing temperatures arrive. Tighten or replace worn fasteners, clear debris, and mark any icy areas to prevent slips and falls.

2. Winterize Water and Electrical Systems

   Frozen pipes and damaged power pedestals are among the most common marina claims in winter. Shut off or drain all nonessential water lines and protect electrical systems from moisture. If any outlets remain live for winter operations, check that they’re weatherproof and regularly monitored.

3. Fire Prevention in Storage Areas

   Indoor and outdoor storage yards require extra vigilance in winter. Space heaters, batter charging, and maintenance work can all increase fire risk. Maintain clear aisles, inspect fire extinguishers, and ensure your fire suppression systems are services and operational.

4. Maintain Safe Access for Staff and Visitors

   Snow and ice accumulation on walkways and ramps can quickly become a liability issue. Keep salt or sand on hand, post warning signs, and ensure lighting remains bright for any nighttime access.

5. Review Your Insurance Coverage

   Even with the best precautions, accidents can happen. Review your marina’s property and liability policies to confirm coverage for winter-specific risks, including damage from snow load, ice, or equipment failure. Marine Insurance House can help ensure your coverage is aligned with your operations year-round.

   By taking time now to prepare, marina owners can prevent costly claims and ensure a smooth start to spring operations. At Marine Insurance House, we’re here to help you navigate the season safely - protecting your property, your people, and your peace of mind.

Cold Weather Claims

As temperatures drop, many boaters prepare to store their vessels for the season - but winter can be one of the riskiest times for unexpected damage. Each year, Marine Insurance House sees an uptick in cold-weather claims that could have been prevented with a few proactive steps. Here’s what to watch out for and how to protect your boat (and your wallet) this winter.

1. Frozen Engines and Burst Pipes

   The most common winter claim involves water left in the engine or plumbing system. When temperatures drop, even a small amount of residual water can free and cause major cracks. Before storage, fully drain all water systems, add antifreeze where appropriate, and ensure the engine block is completely dry.

2. Shrink-Wrap and Cover Damage

   Strong winds and snow can tear covers or cause pooling that stresses the frame. Use quality shrink-wrap or a well-fitted cover and check tension throughout the season. A torn cover not only exposes your boat to the elements but can lead to costly water intrusion or mold claims.

3. Battery and Electrical Issues

   Cold weather drains batteries faster, and an unmonitored boat can be left powerless, Disconnect the battery or use a smart charger to maintain voltage during long storage periods. Inspect electrical connections for corrosion before re-launching in the spring.

4. Storm and Storage Damage

   Winter storms can cause significant damage to boats stored outdoors or near trees. Whenever possible, store your boat in a secure location with proper supports and tie-downs. If you use a marina or storage yard, confirm that they have appropriate liability coverage - and double-check your own policy for off-season protection.

Final Tip: Review Your Policy Before Winter Hits

Not all policies cover cold-weather risks the same way. A quick policy review with your Marine Insurance House agent can ensure you’re protected against freezing, storage incidents, and seasonal hazards. Taking a few extra minutes now could save you thousands later.

At Marine Insurance house, we’re committed to helping you safeguard your boat through every season - so you can spend less time worrying and more time dreaming of spring on the water.

Cold Weather Ahead: Preparing Your Marina for Winter

As cooler weather sets in, marinas across the coast are shifting gears from busy boating season to winter readiness. Taking time now to prepare your facilities, docks, and equipment can help prevent costly damage and ensure a smooth transition into the off-season.

Start by inspecting docks, pilings, and electrical systems for wear or corrosion. Replace worn lines, secure loose boards, and make sure fire extinguishers and safety gear are in good working order. If your marina remains active through winter, double-check that lighting, fuel systems, and pump-out stations are protected from freezing temperatures.

This is also the perfect time to review your marina’s insurance coverage. Confirm that your policy reflects any changes made over the summer, from new slips or equipment to updated storm plans. Being proactive now can prevent headaches when winter weather arrives unexpectedly.

At Marine Insurance House, we understand the unique challenges marinas face year-round. From storm preparedness to property protection, our team is here to help you stay covered through every season.

End-of-Season Marina Maintenance & Insurance Checklist

As the busy summer boating season winds down, marinas face a different set of challenges. Cooler weather, fewer tenants, and the lingering threat of late-season storms make fall an important time to focus on upkeep and risk management.

For many marinas, this transition period is the perfect opportunity to handle maintenance that's hard to tackle during peak months. Walk the property, repair worn boards or pilings, and test electrical and fueling systems before winter weather sets in. Small fixes now can prevent major damage later.

It’s also a good time to revisit your insurance coverage. Property policies should account for seasonal risks like wind, storm surge, and ice,while liability coverage protects you if tenant vessels are damaged on your watch. Business interruption coverage is another key consideration - especially if a storm temporarily shuts down operations.

Whether your marina is large or small, a little preparation now ensures you’ll be ready for a strong start next season. And with the right coverage in place,you can approach the offseason with peace of mind.

Not sure if your current policy is keeping pace with your risks? Marine Insurance House can help you review your options.

5 Fire Prevention Tips for a Safer Summer on the Water

Dock and boat fires can happen in an instant - especially during the busy summer season. But with a few simple precautions, you can reduce the risk and protect your vessel, your marina, and your fellow boaters.

Here are five essential fire prevention tips every boater should follow:

1. Check Electrical Systems

   Inspect all cords, plugs, and shore power connections for signs of wear, corrosion, or damage. Faulty electrical systems are one of the most common causes of dock fires.

2.  Fuel Carefully

   Always ventilate your engine compartment before starting the engine after fueling. Never fuel near open flames or while smoking.

3. Use Marine-Grade Equipment

   Avoid using household extension cords or appliances onboard. Only use cords, plugs, and accessories rated for marine use.

4. Have Up-to-Date Fire Extinguishers

   Keep Coast Guard–approved extinguishers on board - and make sure everyone knows where they are and how to use them.

5. Keep Flames Off the Dock

   Grilling or smoking near boats or fuel stations can spark a fire quickly. Establish a no-flame zone around the dock and slip.

Stay safe, stay alert, and check your coverage. If you’re unsure whether your marine policy includes fire protection, reach out to the team at Marine Insurance House. We’re here to help you navigate the risks with confidence.

How To Prepare Your Boat for Hurricane Season

As hurricane season approaches, boat owners along the coast are reminded that preparation isn’t just smart - it’s essential. Tropical storms can drive quickly and cause costly damage to vessels, docks, and marine infrastructure. Fortunately, a few proactive steps can help protect your boat - and your peace of mind.

1. Review Your Insurance Coverage

   Before the weather turns, take time to read through your marine insurance policy. Pay special attention to:

   • Named storm deductibles - these are often higher than your standard deductible. know what yours is.

   • Haul-out provisions - some policies may reimburse you for moving your boat to safer ground.

   • Exclusions - ensure wind, flood, and storm surge are covered.

   • Navigation limits - make sure your coverage applies where you plan to store your vessel during a storm.

   If you’re unsure about any part of your policy, call your marine insurance agent. A quick conversation now could prevent major headaches later.

2. Make a Hurricane Plan for Your Vessel

   Every boat should have a storm plan - whether it’s kept at a marina or on a trailer. Consider:

   • Where will your boat go during a storm? Hauling it out ans storing it inland is often safest.

   • Who will secure it if you're out of town? Assign a trusted person to carry out your plan if needed.

   • What supplies do you need on hand? Lines, chafe protection, fenders, and duct tape go fast before storms.

   Pro tip: Keep your hurricane plan written down and share it with your marina or dockmaster.

3. Take Preventive Action Early

   Don’t wait until the forecast turns. As soon as a storm is named:

   • Remove all valuables and electronics from the boat

   • Secure loose items on deck or bring them ashore (bimini tops, cushions, dinghies)

   • Double up dock lines and add chafe guards

   • Seal hatches and cover vents to reduce water intrusion

   • Shut off fuels lines and disconnect batteries

   For trailer boats, park on high ground, remove the drain plug, and lash the boat to anchors or heavy blocks.

4. Document Everything

   Take clear photos of your boat - inside and out - before a storm hits. If you need to file a claim, having this visual documentation can help speed up the process and protect your interests.

5. Stay Informed and Be Flexible

   Coastal storms can change direction quickly. Monitor NOAA updates, follow local advisories, and be ready to act fast. Your safety comes first - never risk staying behind to secure your boat once conditions turn dangerous.

   Need Help Reviewing Your Policy?

   Storms are unpredictable. Your insurance coverage shouldn’t be. If you have questions about your current marine policy - or aren't sure if your boat is fully protected - reach out to our team today. We’re here to help you navigate hurricane season with confidence.

An Unusual Year

2020 is the year that keeps on giving, from Covid to the elections, this has been one of the more event filled years in my lifetime. While our office has had a successful year in writing new accounts, from marinas to slip owners associations, marine contractors, boat yards and boat builders. It has certainly not been without its challenges from the insurance side as well. From primary carriers rewriting and repricing their accounts to a wholesale withdrawal from writing particular lines of coverage it has been a challenge. The major impact has been the change in the market on pricing and writing coverage for dock exposures. This has been particularly true for accounts along the southeast and gulf coast of the United States which have seen a tremendous amount of damage due to hurricanes the past five years. Our office has been fortunate in locating alternate markets for these tough to write exposures, and adding additional carriers to fill gaps left by carriers vacating this market segment. If your business is being buffeted by the above challenges in the current marketplace don’t hesitate to give our office a call,

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