Marine Insurance

The marine industry is broad, highly specialised and constantly evolving. From marine engineers and surveyors to offshore contractors, marine operators and renewable energy specialists, every business faces a unique set of risks. That is why marine insurance requires far more than a standard commercial policy. It demands specialist knowledge, technical understanding and access to the right insurance markets.

At Sona Insurance, we have been arranging Marine Insurance solutions since 1990, supporting businesses across the UK and internationally with tailored protection designed specifically for the realities of the marine sector. Our experienced brokers work closely with clients to fully understand how their operations function, the liabilities they face, and the regulatory obligations they must meet, allowing us to recommend insurance programmes that are both practical and comprehensive.

Whether you operate a busy marina, manufacture marine equipment, manage offshore projects or work independently as a marine engineer, we can provide specialist insurance solutions tailored to your exact requirements. We support marine businesses with turnovers from £300,000 upwards, including complex and difficult-to-place risks, international operations and high-hazard projects.

Our strong relationships with specialist marine insurers and Lloyd’s markets allow us to secure competitive cover for a wide range of marine trades and maritime liabilities. We also maintain close involvement with the marine community and industry associations, ensuring our knowledge remains current with the latest sector developments, legislation and emerging risks.

Sona Insurance are a proud member of the British Marine Federation, reflecting our ongoing commitment to supporting and remaining actively involved within the wider UK marine and maritime sectors. Our membership of these respected organisations helps ensure we remain informed on industry developments, regulatory changes, emerging risks and best practice across the marine industry, allowing us to continue providing knowledgeable and specialist support to our clients.

Our marine insurance solutions can include protection for:

Public, Employers’ and Product Liability
Professional Indemnity
Hull & Machinery
Marine Property and Equipment
Business Interruption
Contractors’ Risks
Plant & Machinery
Cargo and Transit Risks
Offshore Liabilities
Directors and Officers Insurance
Legal Expenses and Management Liability

At Sona, we understand that when incidents occur, downtime can be costly and reputational damage significant. That is why we focus not only on arranging the right cover but also on delivering responsive support and practical guidance when you need it most.

Boat Yards & Marina Operators Insurance

Operating a boatyard or marina involves balancing customer expectations, operational safety, environmental responsibilities and the protection of valuable vessels under your care. Whether you manage a small independent marina or a large commercial boatyard, the risks involved are substantial and often highly specialised.

From vessel movements and lifting operations to fuel storage, repair work and public access areas, marine premises face exposures that standard commercial insurance policies may not adequately address. Damage to customer vessels, employee injuries, environmental incidents or business interruption can all have serious financial consequences without the correct protection in place.

At Sona, we work with boatyards, marina operators and marine services providers to arrange tailored insurance programmes that reflect the complexity of your day-to-day operations. Our experienced marine brokers take the time to understand your business, your facilities and the services you provide, ensuring every aspect of your operation is appropriately protected.

Available cover can include:

Public & Employers Liability
Legal Liability
Commercial Premise
Plant & Machinery
Customer Vessel Liability
Marine Property Insurance
Business Interruption
Environmental Liability
Equipment and Lifting Gear Cover

Whether your business involves vessel storage, repair work, engineering services or marina management, we can help ensure your insurance programme supports both your commercial operations and regulatory responsibilities.

For a bespoke insurance solution tailored to your marine business, contact Sona’s experienced marine team today.

Difficult & Unusual Risks Insurance

Some marine risks fall outside conventional underwriting criteria and require a more specialist approach. At Sona, we have extensive experience arranging insurance for complex, non-standard and difficult-to-place marine risks, working closely with niche underwriters and specialist markets to secure practical protection where standard insurers may be unable to assist.

We understand that businesses operating in high-risk sectors often face unique operational challenges, contractual obligations and technical exposures. Our role is to simplify that complexity by designing insurance solutions tailored specifically to your activities and risk profile.

We regularly assist businesses involved in:

Offshore and subsea operations
Oil and gas support services
Floating fuel pontoons
Renewable energy projects
Specialist marine engineering
Research and development operations
Power station projects
Davit installation and maintenance
High-risk offshore contracting

Our team can arrange cover for UK-registered contractors and limited companies operating offshore internationally, including businesses requiring US coverage where necessary.

Available cover can include:

Corporate Liability
Professional Indemnity
All Risk Insurance
Directors & Officers Liability
Hull & Machinery
Offshore Contractors’ Liability
Specialist Equipment Cover
Business Interruption

With access to specialist marine and offshore insurance markets, Sona can provide flexible and innovative insurance solutions for even the most challenging marine risks.

Marine Trade Insurance

Marine trade businesses operate in a highly technical and heavily regulated environment, where even small incidents can result in significant financial and operational disruption. Whether you work on commercial vessels, manufacture marine products or provide specialist engineering services, your insurance needs to reflect the exact nature of your trade and the liabilities attached to it.

At Sona, we provide Marine Trade Insurance solutions for a wide range of businesses operating throughout the marine sector. Our experienced marine specialists understand the industry’s regulations, contractual obligations and operational risks, allowing us to arrange insurance that supports your business properly.

We work with:

Marine engineers
Boat builders and repairers
Marine operators
Marine manufacturers
Offshore contractors
Ship repairers
Sailmakers and chandlers
Water sports businesses
Marine surveyors and consultants.

Our policies are designed to combine essential commercial protections with specialist marine cover, ensuring your business remains protected both onshore and offshore.

Available cover can include:

Public, Employers’ & Product Liability
Commercial Premises
Paints & Coatings Cover
Professional indemnity
Business Interruption
Marine Liabilities
Tools & Equipment
Contractors’ Risk
Cyber Liability

Through strong relationships with specialists, marine insurers and underwriters, we can arrange comprehensive and competitively priced cover tailored to your operations.

Pleasure Craft Builders And Repairers Insurance

Businesses involved in building, repairing and restoring pleasure craft require insurance that reflects the precision, craftsmanship and specialist expertise involved in their work. From custom yacht builds to repair and refurbishment projects, every stage of the process presents potential risk to property, equipment, employees and customer vessels.

At Sona, we understand the operational pressures faced by pleasure craft builders and repairers. Our marine insurance specialists work closely with you to arrange cover tailored specifically to your business activities, helping ensure that your operations can continue with minimal disruption should problems arise.

Whether you are carrying out structural repairs, mechanical installations, refits or complete vessel constructions, we can protect your premises, machinery, tools, liabilities and workforce.

Available cover can include:

Personal Accident
Business Interruption
Plant & Machinery
Professional Indemnity
Commercial Premises
Public & Employers’ Liability
Customer Vessel Cover
Tools & Equipment Insurance

Our aim is to provide practical, dependable insurance solutions that allow you to focus on delivering high-quality workmanship with confidence.

Marine Engineers Insurance

Marine engineers operate in technically demanding environments where specialist tools, expensive equipment and high-value liabilities form part of daily operations. Whether working independently or as part of a larger marine business, having robust insurance protection in place is essential.

At Sona, we understand the challenges marine engineers face, from machinery breakdowns and theft of specialist equipment to liability claims arising from engineering work or technical advice. Our experienced advisers work with you to understand your operations and arrange cover tailored specifically to your trade.

Available cover can include:

Personal Accident
Public Liability
Professional Indemnity
Business Interruption
Plant & Machinery
Tools & Equipment Cover
Employers’ Liability
Commercial Vehicle Insurance

We can provide flexible solutions for self-employed engineers, contractors and larger engineering firms operating across the marine sector.

Marine Project Managers Insurance

Marine project management carries significant professional responsibility, requiring careful coordination of contractors, operations, safety standards and project delivery. Delays, contractual disputes or operational incidents can expose project managers to substantial financial and reputational risks.

Sona’s specialist marine brokers understand the unique pressures associated with overseeing marine projects and offshore operations. We arrange tailored insurance solutions designed to protect both your business and your professional responsibilities throughout every stage of a project.

Available cover can include:

Public & Employers’ Liability
Management Liability
Business Interruption
Plant & Machinery
Professional Indemnity
Directors & Officers Liability
Legal Expenses

Whether managing shipbuilding projects, offshore developments or marine infrastructure works, we can help ensure your insurance supports your operational and contractual obligations.

Marine Surveyors Insurance

Marine surveyors are relied upon to provide accurate, professional assessments and advice across a wide range of marine activities. Errors, omissions or disputes relating to professional recommendations can lead to significant claims and reputational damage.

At Sona, we provide specialist insurance solutions designed specifically for marine surveyors, helping protect both your professional responsibilities and your business operations. Our advisers work closely with you to understand the nature of your work, ensuring your cover reflects the services you provide and the risks you face.

Available cover can include:

Professional Indemnity
Personal Accident
Public Liability
Business Interruption
Tools & Equipment
Cyber Liability
Legal Expenses

Our tailored solutions allow marine surveyors to operate with confidence, knowing they are protected against both operational and professional risks.

Marine Architects Insurance

Marine architects work within a highly specialised field where technical expertise, innovation and precision design are critical. From vessel design and construction to consultancy and maintenance planning, professional liabilities can be significant.

At Sona, we understand that no two marine architecture businesses are the same. Our experienced marine brokers work with you to develop tailored insurance solutions that reflect the complexity of your work, your contractual obligations and your operational risks.

Available cover can include:

Plant & Machinery
Tools & Equipment
Public Liability
Professional Indemnity
Personal Accident
Business Interruption
Cyber Liability

We provide practical support and specialist guidance to help ensure your insurance programme evolves alongside your business and projects.

Commercial Divers Insurance

Commercial diving is one of the most hazardous professions within the marine sector, involving challenging environments, specialist equipment and strict regulatory requirements. Standard insurance policies often fail to address the complex exposures associated with professional diving operations.

Sona specialises in arranging insurance solutions for commercial divers and subsea contractors, ensuring cover reflects the exact nature of your activities, equipment and operational environments.

We can provide cover for a wide range of commercial diving operations, including:

Commercial Offshore Diving
Inland & Offshore Diving
Military, Navy & Police Diving
Scientific & Archaeological Diving
Nuclear & Hazmat Diving
Media Diving
Diving Instructors
Surface Supplied Diving

Available cover can include:

Public & Employers’ Liability
Specialist Equipment Cover
Personal Accident
Professional Indemnity
Business Interruption
Offshore Medical & Repatriation Costs

Our experienced marine advisers understand the operational realities of commercial diving and work closely with specialist insurers to arrange comprehensive protection.

Offshore Platforms Insurance

Offshore platform and energy sector operations involve highly specialised risks that require expert insurance support. Contractors working on oil rigs, wind farms, chemical plants and offshore installations face complex operational, environmental and liability exposures.

At Sona, we arrange Offshore Platforms Insurance tailored to the requirements of contractors, engineers and service providers operating in hazardous offshore environments. Our specialist brokers work with businesses across the offshore energy and industrial sectors to secure practical, responsive insurance solutions.

Available cover can include:

Public & Employers’ Liability
Professional Indemnity
On & Offshore Equipment Cover
Property & Rig Insurance
Business Interruption
Hull & Machinery
Offshore Contractors’ Liability
Environmental Liability

We can provide cover for companies registered in the UK, Channel Islands and Isle of Man, as well as individuals operating internationally.

Renewable Energy Insurance

The renewable energy sector continues to expand rapidly, bringing innovation, investment and new operational challenges. From offshore wind farms and solar installations to biomass facilities and recycling operations, renewable energy projects require specialist insurance protection throughout both development and operational phases.

Sona works closely with specialist energy underwriters to arrange tailored insurance solutions for businesses operating within the renewable energy industry. We understand the technical, environmental and contractual risks associated with these projects and can provide cover designed specifically around your operations.

Available cover can include:

Delay in Start-Up
All Risks Cover
Machinery Breakdown
Loss of Revenue
Public Liability
Environmental Liability
Malicious Damage
Contractors’ Risks
Professional Indemnity

Whether you are involved in construction, maintenance, consultancy or energy generation, our experienced advisers can help ensure your business is protected against evolving sector risks.

How Sona Insurance Bridges the Gap in Marine Services

At Sona, we understand the realities of operating within the marine services industry. Marine businesses face a unique combination of operational hazards, technical liabilities, contractual obligations and regulatory pressures that require specialist insurance knowledge and a proactive approach to risk management.

Our experienced marine brokers work closely with clients across the sector to develop insurance programmes that reflect the true nature of their operations. From marine engineers and offshore contractors to surveyors, shipbuilders and renewable energy specialists, we ensure your cover is tailored to the specific risks your business faces, not a generic off-the-shelf solution.

Why choose Sona Insurance?

Specialist marine sector expertise across marine trade, offshore operations, renewable energy and commercial marine activities.
Tailored insurance programmes designed around your operational risks and contractual requirements.
Access to specialist marine insurers and Lloyd’s markets in the UK and internationally.
Support for complex, unusual and high-risk projects, including international operations and US exposures where required.
Comprehensive protection across liability, property, professional indemnity, marine equipment and business interruption risks.
Responsive claims and broker support to help minimise disruption and keep your business moving.
Flexible solutions for businesses of all sizes, from sole traders and contractors to large international marine operations.

At Sona, we believe marine insurance should provide more than financial protection alone. It should give you confidence that your business is supported by advisers who understand your industry, your challenges and the importance of keeping your operations running smoothly.

Why choose Sona Insurance?

Specialist marine sector knowledge: From boatyard operations to offshore platforms and renewable energy projects.
Tailored protection: For trades, contractors, and service companies supporting shipping and goods movement.
Comprehensive, joined-up cover: Including liability, professional indemnity, plant & machinery, business interruption, and marine-specific risks.
Support for complex, high-risk, and international projects: Including work in hazardous locations and US coverage where required.
Flexible solutions: For businesses of all sizes, from sole traders to multi-million-pound operations.
Responsive broker support: Helping you meet contract terms, navigate claims, and minimise downtime.

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Relevant covers for your business

Cyber Insurance: Protect your platform, data and digital operations

Tailored cyber insurance that covers ransomware, phishing, data loss, regulatory fines, and downtime. Ideal for tech teams, developers, and studios reliant on digital infrastructure.

Explore Cyber Insurance

Professional Indemnity Insurance: Cover for your advice, code and client contracts

Protects you from claims related to software errors, failed implementations, or alleged negligence in service delivery. Often required by partners and enterprise clients.

Explore Professional Indemnity Insurance

Management Liability Insurance: Protect your directors and leadership decisions

Covers directors and officers from personal liability in disputes, mismanagement claims or regulatory action — especially important for funded or scaling tech companies.

Explore Management Liability Insurance

Employers’ & Public Liability Insurance: Essential legal protection for your workplace and team

Meets UK legal requirements and protects against injury or damage claims from employees, freelancers or the public — including remote and hybrid teams.

Explore Employers’ & Public Liability Insurance

Private Medical Insurance: Health support for fast-moving teams

Flexible plans that support wellbeing, speed up recovery, and improve retention. Popular for directors, developers, and globally distributed tech teams.

Explore Private Medical Insurance

Build a stronger foundation for your business

We don’t believe in one-size-fits-all quotes. Speaking to Sona Insurance means you get expert advice, tailored protection, and personal support — not just a price on a screen.

Call us today on 01206 694904 to discuss your Commercial Combined insurance options.

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