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Yacht Insurance

Specialized coverage designed for our current high-net-worth personal lines clientele that own yachts

Coverage Crafted for Mid-Sized to Larger Boats & Yachts

This specialized coverage was designed for Vault’s high-net-worth personal lines clientele that own yachts. This program will be underwritten and serviced by Bass Underwriters on behalf of Vault on a nonadmitted (E&S) basis throughout the US. Coverage options were thoughtfully designed to cater to the unique needs of specialty boat and yacht owners.

Coverage is specifically crafted for mid-sized to larger boats and yachts operating within designated navigational areas of the U.S. coastlines as well as inland waterways.

Raphael and Associates was selected to manage claims for the program, a firm that has been recognized for its expertise in servicing U.S. yacht claims for over 15 years.

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Vault Insurance

Vault Insurance specializes in custom insurance solutions for high-net-worth individuals, providing unparalleled protection for their most valuable assets. With an A.M. Best Rating of A- (Excellent), Vault combines financial stability with superior service, continually expanding its offerings to meet the sophisticated demands of its discerning clientele.

Bass Underwriters

Established in 1997, Bass Underwriters is a nationwide managing general agency that has emerged as a market leader in the MGA space through significant investment in technology platforms and analytics. The company is committed to combining professional underwriting with advanced technology and a hands-on approach, which they believe is essential for superior underwriting results. The organization has built robust partnerships with quality independent carriers and agents, underpinning its dedication to innovation and excellence in the insurance industry.

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Raphael & Associates

Founded in 1978, Raphael & Associates is one of the largest privately owned U.S. Third-Party Administrators and Independent Adjusting firms. With a substantial network spanning over 20 offices and 300 employees, the firm excels in managing complex yacht claims, leveraging deep expertise gained over more than 15 years.

*Vault and Vault Insurance are the marketing names used by Vault Reciprocal Exchange and Vault E&S Insurance Company and their affiliates. Yacht policies written by Vault E&S Insurance Company on a surplus lines basis through licensed surplus lines brokers. Coverage may vary by jurisdiction, situation, and customer selections. For coverage details, please refer to the policy. Rating information accurate as of January 3, 2025. For the latest Best's Credit Rating, please access www.ambest.com.

Experience The Vault Difference

Why choose Vault? Because we offer exceptional customer service, the fastest claims response time, and industry-leading custom insurance solutions.

Ready to Work with Us?

For potential customers with homes valued over $2 million:

REQUEST A QUOTE ➔

For agents and brokers looking to partner with us, submit your application:

BECOME A VAULT AGENT ➔