Marine

Recreational Marine

For over 30 years, our marine professionals have been providing insurance services to the recreational marine industry. Our agents, brokers, underwriters, and service staff are here to aid in the placement and ongoing service of nearly any marine related risk. Formerly known as Western Marine, we will continue to service our industry under the name Norman-Spencer Marine Insurance Services.

Eligible Classes

  • Boat Dealers
  • Yacht Brokers
  • Boat Repair
  • Boat Rental
  • Piers, Wharves and Docks
  • Marinas
  • Marine Artisans
  • Contractors
  • Charters
  • Tugs & Barges

Lines of Coverage

  • Boat Dealer Inventory Coverage
  • Piers, Wharves and Docks
  • Marina Operators Legal Liability (MOLL)
  • Protection & Indemnity (P&I)
  • Owned Watercraft
  • Property
  • General Liability
  • Commercial Auto
  • Inland Marine
  • Bumbershoot (Umbrella)
  • Crime

First Marine Logo

Introduced in 2012, First Marine is a proprietary program offering coverage for Boat Dealers and Marinas Nationwide. With strong carrier backing, specialized claims handling, a full suite of tailored coverage, and competitive pricing, First Marine is poised to become the First Choice of the Marine industry…and it’s only available from Norman-Spencer!


  • Proprietary Program
  • Admitted Product
  • A.M. Best "A+" Rated Carrier
  • All States (except AK & HI)
  • Non-Auditable
  • Flexible Payment Plans
  • No Inspection Charges
  • Clean Marina Credit

Program Features

  • Personal Use of Boats in Inventory By Owners & Officers
  • Loaner Boat Coverage Available
  • Dock Debris Removal up to $250,000
  • Medical Payments on P&I
  • No P&I Deductible
  • Traveling Workmen on MOLL
  • Crew Coverage Available Under P&I
  • Replacement Cost or ACV Options Available for Piers, Wharves and Docks
  • Engine Hours E & O Available
  • Limited Sudden & Accidental Pollution Available
  • Liquor Liability Available
  • Yacht Club Extension Available
  • Non-Auditable