Marina insurance coverage check
Compare your liability limits with California harbors' published vendor insurance minimums, and get the list of endorsements and paperwork to confirm.
From your certificate of insurance, e.g. 1000000.
Even with “yes”, the endorsement is listed as something to confirm: being able to get it isn't having it.
Enter 0 if you don't carry it.
Only Santa Barbara sets different limits by kind of work.
Results
Your entered limits match the published minimums at 10 of 14 harbors that publish them. That compares numbers only: endorsements, workers' comp and the other requirements under each harbor are not checked. 9 more publish no insurance minimum.
Below a published minimum, or something is missing
- Santa Cruz Harbor
- Ship repairer's legal liability $1M (you: none entered)
- Auto liability $1M (you: none entered)
- Workers' comp (statutory) (you: no employees)
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Published figures differ: boatyard contractors; the application form page itself lists $1M
- USL&H coverage and $1M employer's liability
- Waiver of subrogation
- 30 days' notice of cancellation
- Insurer rated A or better by A.M. Best
- Applies to boatyard contractors
- Westpoint Harbor (Redwood City)
- Workers' comp (statutory) (you: no employees)
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Accidental pollution coverage
- Your policy primary, not secondary
- KKMI boatyard (Point Richmond)
- Auto liability $1M (you: none entered)
- Workers' comp (statutory) (you: no employees)
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Published figures differ: the agreement sets $1M per occurrence; KKMI's sample certificate shows $2M aggregate
- P&I $1M
- USL&H if required
- Waiver of subrogation
- 30 days' notice of cancellation
- Brickyard Cove Marina (Point Richmond)
- Workers' comp (statutory) (you: no employees)
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- No outside hires: everyone working must be your insured employee
Entered limits match the published minimums; other requirements not checked
- Seaforth Marina (Mission Bay)
Not checked; confirm with your broker and the harbor:
- Workers' comp if you have employees: confirm with the harbor what it wants from a business with no employees
- Marina approval and a signed Premises Access Agreement
- Ventura Harbor
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Workers' comp if you have employees: confirm with the harbor what it wants from a business with no employees
- Auto insurance for every driver, with the Port District as additional insured on auto too
- Santa Barbara Harbor
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- This harbor sets different limits by kind of work ($500,000 minor maintenance, $2M major repair or commercial diving): ask which applies to you
- Pillar Point Harbor & Oyster Point Marina
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Broad Form endorsement
- 30 days' notice of cancellation
- Hull, machinery and P&I (incl. towing) if you operate a vessel
- South Beach Harbor
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Published figures differ: the January 2026 vendor application asks for $1M; the harbor rules effective January 1, 2026 still say $500K
- Certificate holder and additional-insured wording exactly as the application specifies
- San Francisco Marina
Not checked; confirm with your broker and the harbor:
- Workers' comp, or a signed waiver if you have no employees: sign the harbor's no-employees waiver
- Published figures differ: $500K is from the 2012 Marina Rules; the vendor portal states no limit
- Clipper Yacht Harbor (Sausalito)
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Workers' comp if you have employees: confirm with the harbor what it wants from a business with no employees
- Grand Marina (Alameda)
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Sacramento Marina
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Delta Bay Marina (Isleton)
Not checked; confirm with your broker and the harbor:
- Additional-insured endorsement naming the harbor: have your insurer issue it with the harbor's exact wording before you start (being able to get one is not the same as having it)
- Bottom Cleaning Form per boat each year (divers)
No published minimum (ask the harbor)
How this works
For each harbor that publishes vendor insurance requirements, the check compares your numbers with the harbor's: general liability per occurrence and aggregate, whether the harbor must be named as additional insured, workers' comp, ship repairer's legal liability and auto liability where the harbor sets them. A limit matches when the amount you enter is equal to or higher than the published one. The check can't see your policy, so it never says you meet a harbor's requirements.
Everything it can't verify from these inputs is listed under each harbor as something to confirm: the additional-insured endorsement (being able to get one isn't the same as having it issued with the harbor's wording), workers' comp paperwork, waivers of subrogation, cancellation notice, pollution coverage and insurer ratings. Your inputs stay in your browser.
Sources
- Seaforth Marina. Seaforth Marina Wharfage Rules (December 2023).
- Ventura Port District (Ventura Harbor). Commercial Identification Cards.
- City of Santa Barbara Waterfront Department. Business Activity Permit Policy (Revised 2026) (2026).
- Santa Cruz Port District. Boatyard contractor application materials (August 28, 2018).
- San Mateo County Harbor District. Commercial Services Activity Permit application (Rev. July 2026) (July 2026).
- Port of San Francisco. South Beach Harbor Vendor Application (January 2026).
- San Francisco Recreation & Park Department. San Francisco Marina Rules and Regulations (adopted April 19, 2012) (April 19, 2012).
- Clipper Yacht Harbor. Harbor rules.
- Westpoint Harbor. Independent Contractor Agreement (2012).
- KKMI (Keefe Kaplan Maritime). Independent Contractor Agreement 2017 (2017).
- KKMI (Keefe Kaplan Maritime). Contractor & Customer Rules.
- Brickyard Cove Marina. Approved Contractor Form (2018).
- City of Sacramento. Sacramento Marina Best Management Practices.
- Delta Bay Marina. Marina rules.