Combined / Package Marine Equipment Policy

One all-in-one insurance solution covering marine vessels, onboard equipment, machinery, tools, liabilities and operational risks.

We compare quotes from leading marine insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

An All-In-One Marine Equipment & Vessel Protection Package

Marine businesses often operate both vessels and high-value equipment. A combined policy protects everything under a single insurance contract - reducing cost, simplifying administration, and ensuring seamless cover for multi-risk marine operations.

What’s Included in a Combined Marine Equipment Policy

All major operational risks covered in a single package.


  • Vessel hull & machinery insurance
  • Onboard equipment & tools
  • Deck machinery, cranes & winches
  • Marine plant & specialist machinery
  • Breakdown cover (optional)
  • Theft, fire, weather & accidental damage
  • Public liability for marine operations
  • Employer’s liability for crew & workers
  • Pollution liability & clean-up costs
  • Towage, dredging & offshore support (optional)

Who Is a Combined Marine Equipment Policy For?

Ideal for businesses that operate vessels alongside valuable equipment.


  • Workboat & barge operators
  • Marine civil engineering companies
  • Port & harbour service providers
  • Marine construction & offshore contractors
  • Diving support vessels & ROV operators
  • Marine plant & equipment hire companies
  • Salvage, dredging & towage operators
  • Survey vessels & inspection craft

Why Choose a Combined Policy?

Save money, reduce risk and simplify insurance across multiple marine assets.


  • One insurer - one renewal - one claims process
  • Avoid gaps in cover across different asset types
  • Often cheaper than separate policies
  • Consistent cover for vessel + equipment & machinery
  • Easier administration for marine operators
  • Customisable for complex or multi-vessel operations
  • Can include transit and storage cover

FREQUENTLY ASKED QUESTIONS

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What assets can be included in a combined marine policy?

Vessels, equipment, tools, marine plant, deck machinery, cranes, winches, and liability protections can all be packaged into one policy.

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Is a combined policy cheaper than separate policies?

Often yes - insurers may offer reduced premiums when multiple marine risks are grouped together under one contract.

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Does a combined policy cover crew and public liability?

Yes - employer’s liability and public liability can be included, providing comprehensive protection for marine operations.

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Can the policy cover more than one vessel?

Yes - multiple vessels can be insured, making it ideal for operators managing a fleet or diverse marine assets.

Related Covers

Continue with related marine-equipment pages on package design, liability, transit, pollution and breakdown extensions.