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Designed to offer property cover you can rely on for commercially operated and managed docks, piers, floats and breakwaters; including structures, appurtenances and related equipment thereon or attached to. Research has very easily identified the most frequent, and costly, cause of loss to be Windstorm related. For this very reason many insurers now exclude Windstorm coverage. We do not, this vital protection is always included within our quotations.


Our docks and piers program was established in response to demand from a number of our brokers who needed an A Rated marketplace with whom they could service the growing needs of their clients. The program offers physical property and optionally both Business Interruption and Marina Operator Legal Liability coverage. Coverage is available for docks and piers located within continental USA and also the Caribbean.


Below is an outline of the coverage that we are able to offer under our docks and piers program, if you have any questions please do not hesitate to contact a member of our team.

  • The maximum value of property any one location is $10,000,000 USD.
  • Terms are offered on either Replacement Cost Value with 90% Co-insurance or Actual Cash Value with 80% Co-insurance.
  • All policies are written on an annual basis with our usual 25% minimum earned premium to apply.
  • Coverage is for All Risks of physical loss or damage excluding earthquake and collapse from weight of ice or snow.
  • Business Interruption and Loss of Use coverage is available up to a maximum of 50% of the total insured value.
  • Marina Operators Legal Liability is available at a standard limit of $1,000,000 USD.
  • The minimum premium per policy is $5,000 USD.
  • A base deductible of $5,000 USD or 1.0% of the Insured Value, whichever is greater, is applicable to all risks.
  • Windstorm, Flood and Hail Deductible: $10,000 or 5.0% of the insured value, whichever is greater, is applicable to all risks. An option to increase this deductible to 10% is available on most risks in return for premium reduction.
  • The commission available on wholesale risks is 20%, and on retail risks is 15%.
  • Independent professional inspections, not more than two years old, are required within 60 days of binding for each and every risk.


To view a full list of our docks and piers documentation, you can click here.

Concept Special Risks Ltd.

Unity House, 2 Station Court, Station Road, Leeds, LS20 8EY, United Kingdom
Telephone: + 44 (0) 1943 882700 | Email:

© Concept Special Risks Ltd. 2019 | Concept Special Risks Ltd. is regulated by the Financial Conduct Authority, Licence number; 312098 Company Registration number; 00952756 England