Insurance Programs

At Lucantha Marine Insurance, we understand that your client wants flexibility, peace of mind, and competitive pricing. Let us help you meet these challenges with marine insurance coverage tailored to meet the needs of your client. Whether recreational or commercial, owner operated or fully crewed, close to home or in a foreign port, Lucantha Marine Insurance’s experienced, dedicated staff strives to provide the broadest, most innovative coverage available.

We know that risk can change. Our renewal team is there not only to service the policy but to help your agency keep the business you worked hard to write. With access to dozens of markets, the renewal specialists at Lucantha Marine Insurance will help ensure that your client gets the most competitive pricing at each and every insurance renewal.

Recreational Yacht Insurance

Yacht Coverage

At Lucantha Marine Insurance, you deal only with yacht specialty insurance agents and underwriters, whose sole expertise is the underwriting and insuring of yachts.

  • Boats, sportfish, yachts and superyachts
  • “A” rated insurance companies with comprehensive “all risk” policy forms
  • In-house underwriting, binding and policy issuance
  • A wide range of companies to meet individual owner’s needs
  • Extended navigation
  • In-house claim management
  • Client presentable quotes and binders
  • Time saving pre-filled applications for your clients
  • Renewal management including extensive annual marketing
Commercial Marine Insurance
As Marine Specialists, Lucantha Marine Insurance takes pride in our in-depth understanding of the market as well as long established relationships in the industry.  We provide our agents and their clients with knowledgeable advice, exceptional service, and creative solutions to their commercial marine insurance needs.

Commercial Hull and P&I Risks

  • “Six pack” charter vessels
  • Excursion Vessels
  • Pilot Boats
  • Ferries
  • Tug and Towing Vessels
  • Research Vessels
  • Builders Risk
  • Cargo Vessels

Marine Package Policies

  • Marinas Operators
  • Boat Dealers
  • Yacht Clubs
  • Boat Builders

Marine Contractors

  • Dock Builders
  • Marine Artisans
  • Marine Construction
  • Dredging Operations
  • Pile Drivers
  • Diving Contractors

Mono-Line Marine Liabilities

  • Excess Marine Liabilities (P&I, MOLL, etc)
  • Bumbershoot
  • Marine General Liability
  • Ship Repairers Legal Liability
  • Wharfingers Liability
  • Charterers Legal Liability
  • Stevedores Legal Liability
  • Tower’s Legal Liability
Claim Management


For immediate assistance with an emergency or potentially severe losses involving life or property and or questions on mitigating additional/ongoing loss, contact our Claims Department at (207) 688-6420, select Option 1 for Claims.

For all other non-emergency claims use our below Loss Report Form to report potential loss details and provide claimant contact information.This is the basic information required to notify the carrier and contact the claimants. Please send the completed form to

At Lucantha Marine Insurance, we understand that claim service and management are critical components in marketing marine insurance and retaining business.  We understand the importance of expeditious and fair claims settlement, and strive to help policyholders return to their normal operations as soon as possible when a loss occurs.

Our industry reputation as knowledgeable, experienced advisors on recreational and commercial marine claims allows us to be an unparalled resource for our agents and policyholders.  Marine claims can be complex. We work closely with agents, clients, captains, attorneys, adjusters, surveyors and marine vendors to simplify the process as a single point of contact until the claim is resolved.

To report a loss contact:

Lucantha Claims Department
Lucantha Marine Insurance
Office: (207) 688-6420, Option 1

Commercial Pollution Liability
Pollution liability exposures are a constant reality for businesses throughout the marine industry, yet many commercial policies limit or even exclude pollution coverage. Lucantha Marine Insurance offers broad pollution coverage to protect your client’s business.  With access to specific Pollution Liability carriers, such as Water Quality Insurance Sydicate (WQIS) and Safe Harbor Pollution, Lucantha Marine Insurance is able to offer stand-alone pollution policies that minimize your client’s liability and protect their business through 24-hour spill response, damage mitigation and coverages for clean-up, defense costs, investigation and even fines and penalties.

Pollution coverage for:

  • Vessel Owners and Operators
  • Public Vessels
  • Marina Owners & Operators
  • Shipyards (Repairers and Builders)
  • Yacht Dealers
  • Banks (Repossessed Vessels)
  • Cargo Owners
  • Mobile Drilling Units
  • Non-Vessel Owner
  • Ferries
  • Fishing Vessels
  • Tow Risks
  • Scrapping Risks

Pollution coverage includes:

  • Clean up
  • Third Party property damage
  • Subsistence
  • Advertising
  • Assessment of and damage to natural resources
  • Loss of revenues and profits by third
  • 24 hour spill response
  • Loss of public services
  • Defense
  • Investigation
  • Criminal Fines
  • Civil Penalties
Yacht Pollution Liability
Most private pleasure yacht insurance policies include coverage for marine pollution liability, usually up to the policy’s limit of liability.  While this coverage will cover the costs of containment and clean-up, they often exclude civil penalties, criminal fines, defense costs and interest.  Lucantha Marine Insurance offers the broadest Pollution Liability protection available for yacht owners, including insurance coverage for limited criminal penalties, as well as 24-hour spill response through specific Pollution Liability carriers.

Under Federal law, all vessel owners are legally obligated to pay for damages should their vessel spill or cause pollutants to be spilled.  A Pollution Liability policy adds yet another layer of protection for yacht owners while providing expert assistance when it’s needed most to mitigate further damage or loss.

Pollution coverage includes:

  • Clean-up
  • Third party property damage
  • Subsistence
  • Assessment of and damage to natural resources
  • Loss of revenues and profits by third parties
  • Loss of public services
  • Defense
  • Investigation
  • Advertising
  • Civil penalties
  • Criminal fines
  • Defense and interest

Certificate of Financial Responsibility (COFR)

Vessels over 300 gross tons, whether private or commercial, require a federal Certificate of Financial Responsibility (COFR) which provides a guaranty to the US Coast Guard for expenses related to a spill. Lucantha Marine Insurance, through our Pollution Liability carriers, can provide this required certificate as well as important information on how to mitigate spill damage and expenses.