Marine General Liability Insurance Texas

Your Texas maritime business deserves protection from a partner who understands local marine risks and regulations.
• Deep understanding of Texas maritime laws and Gulf Coast operations
• Expert knowledge of state-specific marine insurance requirements
• Customized coverage for Texas coastal and inland waterway risks
We go beyond standard Marine General Liability coverage by offering premium risk management services tailored to Texas maritime operations. Our enhanced coverage options include pollution liability, wreck removal, and specialized endorsements for Gulf Coast operations. This proactive approach helps mitigate risks while ensuring robust protection.
• Commercial Fishing Operations: Texas Gulf Coast fisheries require comprehensive coverage against third-party injuries, property damage, and pollution risks.
• Marine Construction Companies: Businesses involved in offshore platform construction or port infrastructure need protection against accidents and structural liabilities.
• Shipyards and Boat Repair Facilities: Texas coastal shipyards must safeguard against risks associated with vessel repairs, maintenance, and dry-docking operations.
• Tour Boat Operators: Companies offering Gulf Coast or inland waterway tours need coverage for passenger injuries, property damage, and environmental liabilities.

Let our local experts analyze your current coverage and identify potential gaps or savings for your business.
Comprehensive protection for Texas maritime businesses, addressing coastal and inland waterway risks and regulatory requirements.

Marine General Liability Insurance costs in Texas average around $5,000 annually for small to medium-sized operations. However, individual premiums vary based on several factors:
Businesses operating in high-traffic areas like the Houston Ship Channel may see higher rates due to increased collision and pollution risks.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Marine General Liability Insurance in Texas covers a wide range of maritime-related risks. It typically includes protection against bodily injury and property damage claims arising from vessel operations, dock accidents, and cargo handling. For Texas businesses operating along the Gulf Coast, it's crucial as it also covers pollution liability, which is vital due to the state's offshore oil and gas industry. This policy often extends to shoreside operations, making it essential for Texas ports and marinas.
While not universally mandated by Texas law, Marine General Liability Insurance is often required for businesses operating in Texas waters or ports. The U.S. Coast Guard and Texas ports frequently require proof of this insurance for vessels and maritime businesses. Additionally, many contracts with oil and gas companies, shipping lines, and other maritime entities in Texas will stipulate this coverage as a prerequisite for doing business.
Texas' 367-mile Gulf Coast significantly impacts Marine General Liability Insurance rates. The region's susceptibility to hurricanes and tropical storms increases risk, potentially leading to higher premiums. However, Texas' advanced port infrastructure and stringent safety regulations can help mitigate some risks. Rates also vary based on the specific location along the coast, with areas like Houston and Galveston potentially seeing different rates due to their unique risk profiles and maritime traffic volumes.
Texas marine businesses should consider supplementing their Marine General Liability with additional coverages. Protection and Indemnity (P&I) insurance is crucial for vessel operators. Hull and Machinery coverage protects against physical damage to vessels. Cargo insurance is vital for businesses handling goods. Given Texas' prominence in offshore energy, Energy Package policies are also important. Cyber liability is increasingly relevant, especially for tech-driven port operations in major Texas hubs like Houston and Corpus Christi.
Marine General Liability Insurance in Texas is tailored specifically to maritime risks, unlike standard Commercial General Liability (CGL). It includes coverages absent in CGL, such as protection against pollution from vessels, which is crucial given Texas' offshore oil industry. It also typically covers risks associated with loading and unloading vessels, a common activity in Texas ports. While CGL might exclude water-related incidents, Marine GL is designed to address the unique exposures of Texas' maritime sector.
Several factors influence Marine General Liability Insurance costs in Texas. The type and size of vessels or maritime operations play a significant role. The specific location along Texas' coast affects rates, with areas prone to severe weather seeing higher premiums. The nature of cargo handled, especially in major ports like Houston, impacts costs. A company's claims history and safety record are crucial. Additionally, the extent of operations in offshore waters, particularly relevant to Texas' oil and gas industry, can significantly influence insurance costs.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.