COMMERCIAL BOAT INSURANCE MADE SIMPLE

YOUR OBVIOUS CHOICE FOR BOAT INSURANCE

As Australia’s largest boat insurance provider, we understand the unique risks of operating a boating business. That’s why, our tailored commercial boat insurance covers your vessel and equipment - so you can stay focused on what matters most.

Leading insurance provider

As Australia’s largest boat insurance provider, underwritten by Allianz Australia, we’ve been protecting the needs of Australian boaties since 1959.

Experience you can trust

We deliver experience you can trust through our underwriting expertise and understanding of the unique risks of boating.

Support you can count on

Our specialist claims team provides support to you when it matters most, with access to trusted marine repairers and service providers Australia-wide.

Our commercial boat insurance is tailored for boats designed as pleasure craft that are used predominantly for commercial activities, such as:

Skippered charter
Bareboat charter
Dive charter
Fishing charter

Sail training
Sailing and boat club fleets
Stock afloat and demonstration
Trailer boat demonstration

Boat brokerage tenders
Builders risk
Licence training

WHAT'S COVERED IN OUR COMMERCIAL BOAT INSURANCE

What's covered

Grounding inspection cover
Provides cover for the reasonable cost of inspecting the hull for any damage or loss covered under your policy, if your boat accidentally runs aground.
Accidental damage or loss, theft or malicious damage
Provides cover for your boat, motor(s), trailer, equipment, gear and accessories against theft or malicious damage, and accidental damage or loss. Plus, if your boat is involved in a collision and you’re not at fault, the excess may be waived.
Negligent repairs cover
Provides cover for accidental loss or damage caused by negligent repairs, as long as the repairs were done by a repairer who is not you or your employee.
Covered for personal use
Provides cover for personal use of your vessel.
Personal and employee personal effects
Provides cover for accidental loss or damage to clothing, shoes, waterproof gear, wetsuits, prescription glasses, manchester, coolers, insulated flasks and hygiene items up to $5,000 (incl GST) per item, and up to $50,000 (incl GST) total (not in addition to Section 1 limit).
Fishing gear, water ski and dive equipment, tools and accessories
Provides cover for accidental loss or damage to fishing gear (excludes tackles, lures and braids), water ski and dive equipment, tools and accessories up to $5,000 (incl GST) per item, and up to $50,000 (incl GST) total (not in addition to Section 1 limit).
Automatic cover for your tender
Provides automatic cover for your tender (if your boat has one). Including water skiers liability for your tender providing cover for any person engaged in water skiing, wakeboarding or aquaplaning activities provided they’re using recognised and commercially manufactured equipment and being towed by your boat tender with your permission.
Jetty liability cover
Provides cover for injury or accidental death to any person arising from embarking or disembarking your boat using a private jetty or pontoon which is owned or leased by you, provided the jetty/pontoon is maintained and serviced every two years.
Fixed fire suppression appliances
Provides up to $10,000 (incl GST) to cover replacement of fixed fire suppression appliances and any associated professional cleaning costs resultant from a sudden, spontaneous and complete discharge of any permanently fixed fire suppression appliances fitted on board your boat. Excluding where the fire suppression appliance is being tested, fitted, maintained, recharged or otherwise in use or being worked upon.
Legal liability cover
Provides legal liability cover for injury and property damage arising from the use of your boat by you or by a person operating it with your permission.
Removal of wreck liability
Provides cover for costs incurred from the raising, recovery and disposal of your wrecked boat, where ordered by government or local authority, following an incident covered under Section 1 of the policy.
Cover for pollution
Provides cover up to $1,000,000 (incl GST) for sudden and accidental discharge, release or escape of fuel, lubricants or sewage from the holding tanks of your boat.
Injury and accidental death
Provides cover for an insured person for accidental death or for certain categories of significant permanent personal injury up to $75,000 (incl GST) plus $20,000 (incl GST) funeral expenses.
Club Care Benefits
Provides up to $20,000 (incl GST) assistance following an emergency or unforeseen incident which gives rise to a claim, including:
- emergency fuel delivery
- returning your boat to your home or storage location following repairs
- reasonable costs of temporary accommodation and transportation home
Land towing costs
Provides cover up to $1,500 (incl GST) to tow your boat on land to the nearest repairer, following a covered incident.
No Claim Bonus
You could get up to 25% off your premium with the No Claim Bonus, depending on your claims history.
Salvage charges
Provides cover to recover your boat or move it to safety if the boat is damaged by a covered incident. Limits apply.
Geographical limits
Provides cover for your boat Australia-wide, including up to 250 nautical miles offshore.
Nil pen excess
If your boat is damaged or stolen while at your nominated berth, pen, jetty or pontoon the excess may be waived.
Temporary cover
Provides temporary cover for a replacement boat for up to 30 days from the purchase date. The replacement boat will be covered up to its purchase price or the original boat's sum insured, whichever is lesser.
Temporary extension
If your policy expires while you are in your boat at sea, we will provide a temporary extension until 24 hours after your boat arrives at its next port.
14-day cooling off period
You can cancel your policy within 14 days from the date of issue (or start date of a renewed policy) and we’ll refund your premium in full, provided you haven’t made a claim or need to make one.

What's not covered

Your policy does not cover any claim caused by, arising from, or any way connected with:

Condition or wear and tear
Wear and tear, the unseaworthiness, and lack of repair or maintenance of the boat.
Delamination, deterioration, corrosion and electrolysis
Delamination, deterioration, corrosion, electrolysis, osmosis and blistering, unless there is evidence of accidental physical impact with a solid object which has caused a deformation in part of the hull from which the condition has propagated.
Persons under the influence
Where you were aware that the boat was under the control of a person under the influence of drugs or alcohol.
Reasonable care
Your recklessness, deliberate actions, misconduct or lack of reasonable care in the safeguard or protection of your boat.
Operating outside of limits
Your boat being operated outside the limits imposed by any certificate of construction and performance, licence, registration or similar documentation, including with more than the maximum number of passengers or with a load, greater than that recommended by the manufacturer or which you are licenced to carry.

Optional cover

Optional loss of hire cover
You have the flexibility to add cover for loss of net income due to your boat being partially or totally prevented from being used to earn income in relation to the agreed usage, as a result of accidental loss or damage incident, covered under Section 1. This cover only applies if specified as applicable in your schedule. Please note that this cover is subject to all other policy terms, conditions, limits and exclusions, other than the Section 1 special exclusion for consequential loss.
Optional fare paying passenger liability
You have the flexibility to add legal liability cover for fare paying passengers where death or injury arises while on your boat, or embarking and disembarking using the private jetty or pontoon listed on your schedule, provided the jetty/pontoon is regularly maintained and serviced every two years. Also by food or drink prepared and served by you or your employees and damage to personal effects of a fare paying passenger while on your boat.

Need more information? View our Product Disclosure Statement.

ENJOY EXCLUSIVE MEMBER BENEFITS

When you become a Club Marine member, you are more than a policy holder, you become a member of the club and enjoy access to a range of exclusive benefits.

ROUND-THE-CLOCK ASSISTANCE

We’re committed to helping you take the worry and risk out of boating, that’s why we include 24/7 roadside assistance for your vehicle and trailer with your policy, plus a personal assistance service, so you can maximise your boating lifestyle.

View Club Marine Assist

RETAIL PARTNER
DISCOUNTS

Members enjoy exclusive discounts and special offers from a select range of retail partners. Whether you’re into sailing, fishing, cruising, jet skiing or wakeboarding, there’s something for everyone.

View Member Rewards

MAGAZINE SUBSCRIPTION SAVINGS

Australia’s leading marine lifestyle magazine, filled with features on boating, jet skiing, fishing, destinations, how-to guides, safety tips and so much more. Members can enjoy Club Marine Magazine for as little as $3.30 a month.

Subscribe now

IN THE EVENT OF A CLAIM

Unfortunately accidents can happen, and if they do, we’re here to help you.

CLUB CARE BENEFITS

When you become a Club Marine member you receive Club Care Benefits. That means, in the event of a claim, you’ll get up to $20,000 to cover emergency fuel delivery, transportation for both you and your boat, and temporary accommodation.

CHOICE OF REPAIRER

As a Club Marine member, you have the option to choose a repairer or service provider, we may also be able to help you find a provider in your local area.

Find out More

GET YOUR COMMERCIAL BOAT INSURANCE SORTED TODAY

Simply call us on 1300 00 CLUB (2582) to get your quote.

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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about Club Marine boat insurance, consider the Product Disclosure Statement (PDS)/Policy Document and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Document, Supplementary PDS and Target Market Determination (TMD) for Club Marine boat insurance are available on this website. We do not provide any form of advice if you call us to enquire about or purchase a product.

Club Marine Limited (ABN 12 007 588 347), AFSL 236916 issues Club Marine boat insurance and handles and settles claims as agent for the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850) AFSL 234708 (Allianz). Club Marine Limited is a related body corporate of Allianz. Copyright © 2026 Allianz Australia Limited.