Business Details
Your Trusted Marine Insurance Partner in Florida
Tampa Bay Underwriters has established itself as a premier marine insurance provider with over 75 years of combined experience serving Florida and nationwide clients. Our team specializes in crafting tailored insurance solutions for recreational and commercial marine needs, prioritizing competitive rates and comprehensive coverage options. We pride ourselves on delivering personalized service backed by deep industry expertise, ensuring clients receive policies that align with their unique boating lifestyles and business operations. Our commitment to excellence extends to educating clients about coverage nuances, navigating policy complexities, and providing responsive support throughout the insurance lifecycle.With a focus on both individual boat owners and commercial maritime enterprises, we maintain partnerships with top-rated carriers to deliver reliable protection across diverse marine exposures. Our advisors stay current with evolving industry standards to address modern risks while maintaining traditional values of transparency and client advocacy. Through decades of service, we've built a reputation for resolving claims efficiently and maintaining open communication channels with policyholders. Our dedication to continuous improvement drives us to refine our offerings while preserving the personalized touch that distinguishes our agency in the competitive insurance landscape.
Services
Boat Insurance
Yacht Insurance
Charter Boat Coverage
Commercial Marine Policies
Hull Protection
Liability Insurance
Pollution Liability
Crew Coverage
Towing Assistance
Equipment Protection
Highlights and features
- We offer 75+ years of combined marine insurance expertise
- Our team provides nationwide coverage with local Florida knowledge
- We maintain partnerships with top-rated marine insurance carriers
- Our advisors specialize in both recreational and commercial marine policies
- We deliver personalized policy comparisons to match client needs
Services
Boat Insurance
Our boat insurance policies provide comprehensive coverage for recreational watercraft, including physical damage protection and liability coverage. We offer customizable options for various boat types, from fishing vessels to personal watercraft. Our advisors help clients navigate coverage limits, deductible options, and specialized endorsements to create policies that protect both new and vintage boats.
Yacht Insurance
Specialized insurance solutions for luxury yachts and high-value vessels include agreed value protection and extended navigational limits. We provide coverage for both pleasure yachts and charter operations, with options for crew protection and personal property aboard. Our policies address unique risks associated with larger vessels, including pollution liability and emergency assistance.
Charter Boat Insurance
Tailored insurance programs for charter boat operators cover both vessel protection and business liability. Our policies include professional liability coverage, passenger protection, and equipment insurance. We offer flexible terms for part-time and full-time charter operations, with specialized endorsements for fishing charters and sightseeing vessels.
Commercial Marine Insurance
Comprehensive protection for marine businesses includes property damage coverage, liability insurance, and pollution liability. We serve boat dealerships, marinas, and marine contractors with customized policies addressing inventory protection, dock liability, and workers' compensation. Our programs help businesses comply with federal maritime regulations while protecting commercial assets.
Hull Coverage
Hull insurance options protect against physical damage from collisions, weather events, and theft. We offer both agreed value and actual cash value policies, with customizable deductibles and coverage limits. Our advisors help clients understand policy terms regarding depreciation and total loss scenarios to ensure appropriate protection levels.
People
Doris Sova
VP Marine Division Manager
Doris Sova leads our marine division with extensive industry experience, managing insurance solutions for recreational and commercial vessels while overseeing team operations.
Sean Griffin
Commercial Insurance Advisor
Sean Griffin specializes in commercial marine insurance, helping businesses protect their maritime assets and navigate complex coverage requirements for commercial operations.
Gina Beyer
Marine Insurance Advisor
Gina Beyer provides expert guidance on recreational marine insurance policies, assisting clients with coverage selection and risk management strategies for personal watercraft.
Zack Adkins
Marine Insurance Advisor
Zack Adkins focuses on yacht and luxury vessel insurance, offering specialized coverage options for high-value marine assets and unique boating needs.
Ken Jones
Commercial Marine Insurance Advisor
Ken Jones specializes in commercial marine risk management, developing comprehensive insurance programs for boat dealerships, marinas, and maritime businesses.
Questions
What types of boats does Wallace Welch & Willingham insure?
We insure nearly all watercraft types including fishing boats, yachts, sailboats, personal watercraft, charter vessels, and commercial marine equipment across Florida and nationwide.
What does boat insurance typically cover?
Our policies typically include hull coverage for physical damage, liability protection for third-party claims, towing assistance, and medical payments coverage for onboard injuries.
How are boat insurance rates determined?
Rates depend on factors like vessel type, usage frequency, boating experience, coverage limits, and navigational areas with coastal operations typically costing more than inland use.
Do I need special insurance for charter boat operations?
Yes, charter vessels require specialized commercial insurance covering passenger liability, professional operation risks, and business-specific exposures beyond standard recreational policies.
What happens if my boat sustains a total loss?
Total loss claims are handled based on your policy type - agreed value policies pay the stated amount while actual cash value considers depreciation at the time of loss.
Can I get coverage for onboard personal property?
Yes, we offer endorsements for personal property aboard yachts including fine arts, electronics, and specialized equipment with appropriate coverage limits.
