VESSEL HULL & STRUCTURE
EQUIPMENT & MACHINERY
GEAR & TOOLS ONBOARD
LIABILITY & OPERATIONS
Marine hull insurance is designed to cover the vessel itself – hull, structure, main engines and integral machinery.
Marine equipment insurance focuses on equipment and gear – tools, winches, cranes, specialist kit, navigation electronics and sometimes hired-in items used on or around the vessel.
Many commercial operators need both: hull cover for the vessel, and equipment cover for the valuable kit that sits on – or works alongside – it.
Both policies are important, but they protect different things.
Different roles in the marine industry have different insurance responsibilities.
For many operators, the strongest solution is a combination of both policies.
“Insure24 helped us separate what should sit under hull insurance and what needed specialist equipment cover – saving money and improving protection.”
Operations Director, Offshore Services CompanyWhat does marine hull insurance actually cover?
What is classed as “equipment” rather than hull?
Do I still need equipment insurance if I have hull insurance?
What if I don’t own the vessel but use my own equipment onboard?
Can Insure24 arrange both hull and equipment insurance together?
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Published: 2025 | Updated: November 2025 | Reading Time: 12 minutes
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