Insuring Florida for Over 30 Years

The Artisan Marine Contractor Program is a specialty insurance package built for the trades that construct and maintain Florida's waterfront — dock and pier builders, seawall and bulkhead contractors, piling and marine pile-driving crews, boat lift and davit installers, marina maintenance, and light dredging operations. Working on, over, and in the water creates exposures that standard contractor policies were never designed to address. This program brings the right coverages together under one tailored placement.

Depending on your operations, the program can include:

• Marine General Liability — premises and completed-operations coverage for work performed over and adjacent to navigable waters
• Contractors Pollution Liability — fuel, hydraulic-fluid, turbidity, and silt exposures common to in-water work
• USL&H and Maritime Employers' Liability — the Longshore & Harbor Workers' coverage and Jones Act protection required for crews working on or near the water
• Workers' Compensation — including the marine and construction class codes specific to your trade
• Hull & Protection and Indemnity (P&I) — for owned or chartered work boats, barges, and other vessels
• Ocean & Inland Marine — contractors' equipment, tools, rigging, and an installation floater or builders risk for materials and work in place
• Excess / Umbrella Liability — higher limits to satisfy marina, port, municipal, and contract requirements

Florida's extensive coastline and intracoastal waterways mean marine contractors routinely face certificate, additional-insured, and waiver-of-subrogation requirements from marinas, ports, and municipalities — and USL&H coverage, which is mandatory for qualifying maritime work, is one of the most commonly overlooked gaps. As an independent agency, Pettineo Insurance assembles this program with specialty marine carriers and underwriters around your specific scope of work, vessels, and payroll, so your coverage matches the jobs you actually take on.