Hull and Marine Liabiliies and How to Protect the Hull


Hull and Marine Liabiliies and How to Protect the Hull

Hull and marine liabilities are a real danger to a ship, and hull damage is one of those factors that could ruin a boat. How can damage to a boat’s hull be prevented? As with many aspects of watercraft care, it often hinges on preventive maintenance and awareness of the common risk factors that could cause hull damage.

Of course, it would also help to get commercial marine insurance. It can reduce hull and marine liabilities and help offset the costs. Just as yacht insurance covers yachts for losses and damage that may occur due to common risk factors, commercial marine insurance covers the costs related to repairing or replacing commercial vessels. But if ship owners use them for business purposes, this type of insurance is vital for protecting the owner’s investment. 

Hull and Marine Liabilities and Why the Hull is Important 

The hull is arguably the most critical part of the boat. Regardless of how new the vessel is and what advanced tech is on board, the hull will keep it afloat. Unsurprisingly, it is also the most expensive part of most watercraft. It is why it is so essential to ensure the hull’s integrity

Tips for Protecting the Boat’s Hull 

What can boat owners do to ensure their hull remains in tip-top shape? Here are some suggestions: 

Remove Standing Water 

Airing everything out is crucial for preserving the hull’s integrity and the vessel’s condition. While boats are supposed to be on the water, too much can be harmful, especially if it ends up in the wrong places. Even fresh water can corrode sensitive components over time and increase the likelihood of mold and rust.

It is wise to open all hatches periodically to let in some fresh air. Pointing fans under the floorboards to dry up excess moisture is also a good idea. 

Inspect the Bottom Paint Periodically 

The boat’s bottom paint condition usually indicates problems one must address quickly. Your clients should remember that the hull is the boat’s first line of defense against the water and the elements. The boat owner should take all signs of damage seriously. Although it isn’t necessary to paint the hull every week, chips and damaged spots should be touched up or patched as soon as possible. 

Fix Small Problems Before They Get Worse 

Seemingly minor problems have a way of worsening over time. Even insignificant-looking scratches can cause severe hull issues later on and become costly. Boat owners should address these issues as soon as they spot them. Moreover, they should treat scratches with sealant and appropriate tools to ensure the boat’s continued structural integrity. 

Keep the Boat in Dry Dock 

Understandably, most owners want to keep their boats afloat as much as possible. But there are many good reasons to occasionally take watercraft out of the water. If your client can afford to do so, you might advise them to put their boat on the dry dock from time to time.

Although it will require considerably more time and effort than keeping it moored, taking the boat out of the water can prevent water and weather damage. It also dramatically reduces the risk of damage due to accidental collisions. 


As with many aspects of boat ownership, it is always better to spend a little now to prevent costlier problems later on. Hull and marine liabilities exist and owners must remain vigilant when caring for their ships. Routine maintenance can be tedious and inconvenient, but it can prevent severe damage that will be much more expensive. By following these tips and performing occasional preventive care, your clients can help ensure the integrity of the hull and the seaworthiness of their entire vessel. 

About Merrimac Marine Insurance

At Merrimac Marine, we are dedicated to providing insurance for the marine industry to protect your clients’ business and assets. For more information about our products and programs, contact our specialists today at (800) 681-1998.