From weekend fishing boats to commercial marine operations, we provide insurance coverage for everything on the water. Serving Eastern North Carolina's waterways since 1926, our agents understand the unique risks of the coast.
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Whether you're a recreational boater enjoying the Neuse River or running commercial operations along the coast, maritime insurance can be complex. Our independent agents work with multiple carriers to find coverage that matches your vessel, your operations, and your budget.
Commercial marine operations face unique exposures that standard policies don't cover. We protect charter captains, marine contractors, salvage operators, and marina owners with coverage options that address their needs.
Our maritime team includes agents who hold the Certified Marine Insurance Professional (CMIP) designation, earned through specialized training in marine and longshore insurance. This provides a deeper understanding of hull, cargo, liability, and longshore exposures, allowing our agents to offer knowledgeable guidance and coverage solutions tailored to the unique risks of maritime operations.
Our CMIP-designated professionals understand the complexities of marine businesses and the regulations that impact their operations. From identifying potential exposures to navigating coverage options, our team can help develop an insurance program designed to meet the specific needs of your business, both on and around the water.
Talk with a CMIP-Certified Marine Insurance ProfessionalWhen your business depends on cargo reaching its destination safely, you need coverage that understands global shipping risks. We provide ocean cargo insurance and specialty marine coverage for operations that don't fit standard categories.
Our maritime team includes agents who hold the Certified Marine Insurance Professional (CMIP) designation, the practical training program for marine and longshore insurance. That means sharper guidance on hull, cargo, liability, and longshore exposures, and coverage built on a real understanding of risk on the water. For marine businesses, that means working with agents who understand your operations and the regulations that govern them.
Our CMIP-certified professionals can help you identify your exposures, make sense of your coverage options, and put together a program that fits how your business actually works on and around the water.
Talk with a CMIP-Certified Marine Insurance ProfessionalYour boat is more than transportation—it's where memories are made. We protect recreational vessels of all sizes, from bass boats to luxury yachts, with coverage for damage, liability, and personal property on board.
Specialized Marine Insurance Expertise
For more than 100 years, The Insurance Center has helped protect the people and businesses that make our coastal communities thrive. We understand that doing business on or near the water comes with risks that go beyond those of traditional business.
Our team includes Certified Marine Insurance Professionals (CMIP) who bring specialized knowledge and understanding of the unique exposures faced by vessel owners, marine contractors, marinas, boat builders, shipyards, waterfront businesses, and employers of maritime workers.
Depending on your operation and exposures, your insurance program may include specialized protection such as:
Our job isn't simply to sell you a policy. It's to help you understand your risks, evaluate your options, and build an insurance program around the way you actually do business.
Coastal businesses are an important part of the communities we call home. For more than a century, The Insurance Center has built relationships by providing knowledgeable guidance and personal service to the people and businesses we serve.
Our CMIP designation builds on that tradition by bringing specialized marine insurance knowledge to clients whose livelihoods depend on the water.
Whether you operate a marina, own or operate commercial vessels, repair or build boats, employ maritime workers, work as a marine contractor, or run another waterfront business, we're here to help you navigate the complexities of protecting your operation.
Put our coastal experience and specialized marine insurance knowledge to work for you.
Our independent agents have served boat owners and marine businesses across Eastern North Carolina for decades. We understand these waters, these risks, and these communities—because we're part of them.
After Nan helped me get the perfect health insurance coverage last month, Jordan Gauta helped me get the perfect auto insurance coverage today. I highly recommend The Insurance Center!
I really appreciate the assistance Ali Cox gives me. I have been a client of your agency for eleven years now and I have to say her customer service is second to none…
Customer service at The Insurance Center is top notch! Each time I deal with Jordan, she handles what I need very quickly and professionally. When I make a mess of things, she goes above and …
Definitely my first choice for insurance. Give them a call and they will help you choose the right policy’s and best rates for your insurance.
Toni Carr was terrific. She took the time to answer all of our questions and made it easy to make our decision. I have been in sales/customer service for many years and was particularly impressed …
Sheri always goes above and beyond to make sure I have the best coverage that I can afford. I highly recommend Sheri, Nan and the insurance center.
We know Eastern NC waters—the risks, the seasons, and the coverage your vessel actually needs.
When disaster strikes on the water, you need advocates who've handled maritime claims before.
We shop your coverage across specialized marine insurers to help you find protection and pricing that fits your needs.
Hurricane season, winter storage, spring launch—we're here whenever you need policy guidance.
No cookie-cutter policies. We build coverage around your specific vessel and how you use it.
You'll work with the same agent who knows your boat, your family, and your coverage history.
Have questions about protecting your boat or marine business? Our agents are here to help. Call us at (252) 637-4173.
Agreed value coverage pays you a predetermined amount if your boat is totaled, regardless of depreciation. Actual cash value pays the current market value at the time of loss, which decreases over time. For most boat owners, agreed value provides better protection and eliminates disputes at claim time.
Most policies have navigational limits that define where your boat is covered. Coastal policies typically cover nearshore waters, while ocean policies extend further offshore. We'll make sure your coverage matches where you actually boat—whether that's the Neuse River, the Intracoastal Waterway, or offshore fishing grounds.
Your boat policy typically covers the trailer while it's attached to your vessel. However, coverage while towing may require coordination with your auto policy. We'll review both policies to ensure there are no gaps when you're hauling your boat to the ramp.
Commercial marine policies cover business-specific exposures like customer injuries, loss of income, crew injuries, and commercial liability limits. If you're chartering your boat, running fishing guides, or operating any marine business, you need commercial coverage—recreational policies exclude commercial use entirely.
Most marine policies cover hurricane damage, but may require you to follow a named storm plan—moving your vessel or taking specific precautions when a storm is forecast. We'll help you understand your policy's requirements and make sure you're prepared before hurricane season arrives.