Hull ratings, mooring criteria, and operator limits on a single calculation trace.
Pleasure craft, trailered powerboats, sailing yachts, charter catamarans, and commercial workboats. InsureOS gives marine underwriters exact rating control, instant quote generation, and structured renewal workflows connected to your policy database.
Vessel-specific underwriting rules without engineering bottlenecks
Marine risks cannot be priced using generic property or vehicle questionnaires. A blue-water sailing yacht moored in Northland carries fundamentally different hazard profiles from a trailered aluminium runabout kept in a suburban garage. Specialist marine MGAs (read how underwriting agencies use our platform) need calculation models that treat hull specifications, mooring infrastructure, and navigational limits as core rating factors.
InsureOS isolates every marine risk variable inside an auditable rules engine. You maintain full oversight over craft classification tables, machinery age limits, skipper qualification loadings, and territorial cruising limits. When underwriters adjust seasonal lay-up credits or amend marina berth requirements, updates take effect immediately on your selected date without code releases.
Vessel & Hull Engineering
Evaluate hull construction materials, length overall, beam, propulsion types, displacement, maximum design speed, and vessel age directly within the rating engine.
Location & Navigational Limits
Differentiate between marina berths, pile moorings, swing moorings, hardstand storage, and private jetties. Factor coastal cruising zones and offshore passages into base rates.
Operator Qualifications
Incorporate skipper sea-time, commercial maritime tickets, past claims history, and vessel ownership tenure into rate calculations and underwriting referral thresholds.
Launch a marine insurance product in four steps
From hull rating tables to embedded boatyard quote widgets, here is the deployment pathway.
01
Define hull schemas, rating matrices, and referral triggers
Configure your marine product in the administration portal. Map out vessel classes, mooring types, hull valuation bands, and named skipper qualifications. Set automated referral rules for vessels exceeding survey age thresholds, high-speed powerboats, or commercial charter operations. Rate revisions remain version-controlled and fully auditable.
Vessel dimension tables covering length, construction, and power unit
Mooring and storage matrices with regional weather loadings
Referral triggers for overdue surveys or offshore navigation requests
Excess options for hull, machinery, and racing damage extensions
Statutory marine levies, broker commissions, and tax calculations
Marine policy schedule and certificate of currency templates
02
Audit calculation traces and verify policy edge cases
Validate quote outcomes against known historical slips using the quote trace debugger. Test how complex combinations of swing moorings, elderly engines, and racing risk loadings interact before opening channels to brokers. Staging environments use dedicated API tokens and isolated test databases.
Step-by-step formula audits with complete calculation traces
Automated verification against benchmark premium portfolios
Simulated underwriter referral routing with sample surveys
Marina berth validation and out-of-water lay-up checks
Separate staging tokens preventing test records from entering production
Document template rendering checks for schedules and receipts
03
Distribute embeddable quoting widgets to marine networks
Publish your responsive quote flow directly to boat dealer websites, marina association portals, or broker offices. Using our lightweight online quoting widget, marine buyers complete detailed policy applications from mobile devices at the marina or yacht club without brand disruption.
Single script deployment or custom frontend integration via API
Brand matching through straightforward CSS variable tokens
Dedicated distributor codes for marina and broker attribution
Local browser saving to preserve boat specs across mobile sessions
04
Manage live binding, payments, and annual renewals
Track live marine quote submissions through the real-time event stream. Handle policy payments securely via card or premium funding, then execute your automated renewal cycles each year with pre-filled vessel schedules to retain marine clients.
Real-time event stream capturing quote progress and completions
Effective-dated rating updates with preserved quote histories
Automated 30-day renewal notices with pre-filled schedules
Instant webhooks feeding policy binds into your core ledger
Engineered for marine underwriting. Integrated with your policy core.
01
Vessel-specific rating logic
Calculate premiums against hull length, propulsion, construction, mooring coordinates, and seasonal lay-up months.
02
Marina and broker distribution
Embed brand-matched quote flows across boatyards, brokers, and retail sites with channel-specific referral rules.
03
Policy system synchronisation
Push bound marine covers, premium transactions, and schedule documents directly into your policy administration database.
Frequently asked questions about marine insurance
What is a marine insurance platform for MGAs?
A marine insurance platform provides the software required to manage marine product rating, digital quoting, payment collection, and policy renewals in one connected system. InsureOS handles pleasure craft, commercial fishing vessels, charter launches, and marine liability on a unified engine while maintaining vessel-level data integrity.
How does InsureOS handle vessel-specific schedule data?
Vessel name, official registration number, hull identification number (HIN), mooring coordinates, propulsion type, and named skipper qualifications are saved as structured attributes on every quote record. These fields pass into the calculation engine, populate the schedule of cover, and carry through to renewal notices without requiring the boat owner to re-enter their craft details.
Can the quote form distinguish between moored and trailered hulls?
Yes. Storage configuration is evaluated during quote generation. Moored craft evaluate berth security, harbour region, and marina compliance, while trailered vessels price storage location, security devices, and transit risks through separate rating factor tables.
How are marine survey requirements and age limits enforced?
Referral rules inspect vessel age and construction material against your underwriting guidelines. If a hull exceeds your survey threshold or the latest survey date is older than your policy limit, the quote triggers an underwriter referral and stops automated binding until an underwriter reviews the survey.
Can marine dealers and yacht brokers embed branded quote forms?
Yes. You can issue distributor tokens that apply custom branding, default dealer codes, and specific commission splits for every marine dealership or brokerage partner. All incoming submissions route into a central underwriting dashboard with attribution intact.
How do seasonal cruising extensions and lay-up credits calculate?
Seasonal factors operate as explicit multipliers or flat adjustments in the rating table. When an insured selects seasonal lay-up or requests offshore cruising extensions beyond coastal waters, the engine re-rates the premium instantly and records the calculation factors in the quote trace.
How are mid-term vessel modifications and engine repowers handled?
Underwriters or brokers update vessel specs directly in the policy portal. The engine re-rates the risk against the active rate version tied to that policy term, calculates pro-rata premium adjustments, and issues an updated marine schedule of cover.