# Insurance for boat hire, charter and leisure hire in Germany

> At a boat hire business, the person at the helm is someone you met fifteen minutes ago. They ram jetties, run boats aground and lose paddles, SUPs and sometimes their nerve. The boats themselves belong in a commercial boat policy, the business on land in its own liability cover. This page shows how the two fit together.

Quelle/Source: https://www.nammert.com/en/business-insurance-boat-hire.php  
Updated: 2026-09-18

## Can I insure my hire boats on an ordinary boat policy?

No. Private boat insurance does not cover commercial hire, and if you hire the boat out anyway, you put your cover at risk. Boats used commercially need a commercial tariff with a surcharge, with a separate policy for each boat. As an underwriting agency (Assekuradeur) we write this cover ourselves, including for charter jet skis, and handle claims in house.

## At a glance

- **Compulsory:** There is no nationwide requirement to insure; some waters, harbour regulations, permits and lease agreements do require proof of liability cover for the boats
- **Biggest risk:** Damage caused by inexperienced hirers: collisions, running aground, people injured on board and in the water
- **Basic cover from:** We price the boats per vessel on our commercial tariff; public liability for the jetty and grounds adds about 150 to 400 euros a year
- **Statutory accident insurer:** Depending on your main activity, BG Verkehr or VBG (a Berufsgenossenschaft is the statutory accident insurer for employees); your membership notice states which one
- **Often forgotten:** One boat, one policy: boats hired out commercially each need their own policy, and private boat insurance does not apply
- **WZ 2025 / NACE:** 77.21 Vermietung von Sport- und Freizeitgeräten, 77.34 Vermietung von Wasserfahrzeugen

## What goes wrong in this trade

- **Hirers with no experience:** Many hirers are driving a motorboat for the first time. Mooring, locks and oncoming traffic often end against someone else's jetty or another boat.
- **Running aground:** A rock just below the surface or a stretch of shore taken too shallow: propeller, shaft and hull can easily suffer damage running into four figures.
- **People in the water:** Bathers, swimmers, stand up paddlers: injuring someone with a hire boat is the most expensive case, and it usually affects a third party rather than the hirer.
- **Weather at the jetty:** Thunderstorms and gales tear boats off their buoys, push them against the jetty or fill open boats with rainwater.
- **Theft of hire kit:** SUP boards, outboard motors, buoyancy aids and wetsuits disappear from containers and boathouses, often the night before the season opens.
- **A short season:** If half the fleet is out of action after a storm in July, you cannot make up the takings in October.

**Risk radar** (Compared with other trades, 1 low to 5 high.): Liability 5, Fire and water 4, Theft 3, Cyber 2, Downtime 4, Health 3

## The insurance you need

- **Business liability** (Essential): Covers the business on land: falls on the jetty, damage in the car park, safety briefings and guided tours. Liability arising from using the boats sits in the boat policy for each vessel. https://www.nammert.com/en/insurance-broker-business-liability.php
- **Business contents** (Strongly advised): Insures SUPs, canoes, outboards, buoyancy aids and cash kept in the boathouse or container against burglary, storm and fire. https://www.nammert.com/en/insurance-broker-business-contents.php
- **Business interruption** (Strongly advised): Replaces lost hire income if the jetty or boathouse is out of use during the season after insured damage. https://www.nammert.com/en/insurance-broker-business-interruption.php
- **Commercial buildings** (Depends on the business): For a boathouse, the land side of the jetty and a ticket kiosk, if you own them. https://www.nammert.com/en/insurance-broker-commercial-buildings.php
- **Car insurance** (Depends on the business): For the towing vehicle and trailer used to take boats to launch sites and to the boatyard. https://www.nammert.com/en/insurance-broker-car-insurance.php
- **Cyber insurance** (Depends on the business): For online booking and the till system, which cannot afford to fail in high season. https://www.nammert.com/en/insurance-broker-cyber-insurance.php
- **Business legal expenses** (Depends on the business): For disputes with hirers over damages and deposits, or with the landlord of your waterside plot. https://www.nammert.com/en/insurance-broker-business-legal-expenses.php

## What it costs: example prices

The biggest item is the boats themselves. As the underwriting agency we price them on our own commercial tariff, boat by boat, according to value, length, engine and waters, with a surcharge for commercial use. The examples below cover the business on land, which is insured separately.

| Insurance | Example | Typical range |
| --- | --- | --- |
| Business liability | Hire business with jetty, kiosk and up to three seasonal staff | about 150 to 400 euros a year |
| Business contents | 20 SUPs and canoes, buoyancy aids and cash in a container, worth 25,000 euros | about 250 to 600 euros a year |
| Business interruption | Loss of income for up to six months, together with contents insurance | about 150 to 400 euros a year on top |
| Cyber insurance | Small business with online booking, 250,000 euros cover | about 350 to 500 euros a year |

For comparison: Liability and contents cover for the business on land costs about as much a year as ten half days hiring a motorboat that needs no licence.

_Guide prices excluding German insurance tax, as of September 2026, based on published tariff examples for comparable businesses and our own quoting experience. We quote the boats from your boat list, because value and engine size vary widely._

- [transparent-beraten.de: business contents insurance](https://www.transparent-beraten.de/geschaeftsinhaltsversicherung/)
- [transparent-beraten.de: cyber insurance](https://www.transparent-beraten.de/cyber-versicherung/)
- [transparent-beraten.de: public liability insurance](https://www.transparent-beraten.de/betriebshaftpflichtversicherung/)

## Our suggestions: three packages

- **Paddle** (Hire of SUPs, canoes and rowing boats without engines, in addition to cover for the boats): Business liability, Business contents. Together: about 400 to 1,000 euros a year excluding boats
- **Motor** (Hire of licence free motorboats with jetty and kiosk): Business liability, Business contents, Business interruption, Cyber insurance. Together: about 900 to 1,900 euros a year excluding boats
- **Fleet** (Charter business with boathouse, trailer and online booking): Business liability, Business contents, Business interruption, Commercial buildings, Car insurance, Cyber insurance, Business legal expenses. Together: about 2,500 to 5,500 euros a year excluding boats

## The worst day at the boat hire

Six things that really happen on land, all on a single Saturday in August. Damage to and by the boats themselves we settle in house under the boat insurance; here you see what the business alongside has to carry.

- 06:50: The container was broken into overnight. Six SUP boards, two outboard motors and the cash float are gone. (€7,800, Paid by: Business contents)
- 09:30: A customer slips on the wet jetty and breaks her ankle. (€8,500, Paid by: Business liability)
- 11:10: The online booking system has been encrypted, and every reservation for the weekend is lost. (€4,000, Paid by: Cyber insurance)
- 14:40: On a guided canoe tour, a group capsizes at the weir. One participant is injured and blames the guide for a poor safety briefing. (€15,000, Paid by: Business liability)
- 17:20: A thunderstorm flattens the jetty and rips open the boathouse roof. (€24,000, Paid by: Commercial buildings)
- 18:00: With no jetty, the hire business stands still for ten days in the middle of the summer holidays. (€18,000, Paid by: Business interruption)

**Damage so far:** €77,300

## Practical tips from your broker

- Insure every hire boat commercially on its own policy. A privately insured boat used for hire is often left without cover when something happens.
- Set a deposit in your hire agreement equal to the excess on the boat policy, so the hirer carries the small claims.
- Record every safety briefing with a signature and the time. After an accident, that is your most important piece of evidence.
- List SUPs and canoes as a separate item in your contents insurance, with cover away from the premises for use on the water if the insurer offers it.
- Check lease and mooring agreements for required liability limits, and name the local council or landlord as co-insured if they ask for it.
- Declare charter jet skis and fast motorboats explicitly. We also insure jet skis used commercially, which is rare on the market.

## Why NAMMERT for your business

- **Here we are the underwriting agency, not the broker:** For boats we underwrite with our own authority and our own tariffs for charter and hire. You get your boat cover directly from us, and when there is a claim, we decide in house without detours.
- **We handle claims ourselves:** A jetty rammed on a Sunday, a propeller on a rock: we know the boatyards, the surveyors and the typical hirer claims from decades of our own claims files.
- **Land and water from one source:** For the jetty, boathouse, hire kit and online booking, we act as your broker, compare offers from several insurers and match them to your boat policies. That way there is no gap between the shore and the water.
- **A family business by the water since 1989:** Boats are our livelihood and we know the rhythm of a season. You have named contacts who still pick up the phone in August.

## FAQ

### Does a boat hire business need compulsory insurance?

There is no nationwide requirement. Some waters and harbour regulations, permits from the water authority and lease agreements often do require liability cover for the boats. Without it, an injury caused by a hirer would be unaffordable anyway.

### Is the hirer or the hire business liable for damage?

Towards third parties, often both are: the business as keeper and the hirer as skipper. The hire business's boat liability cover pays first; in cases of gross negligence it can recover money from the hirer.

### Why does every boat need its own policy?

Because boats used commercially are assessed one by one: value, engine and use differ widely. We do not offer bundled policies covering several boats for commercial use.

### Are SUP boards and canoes covered by the boat insurance?

Small hire kit without an engine is often cheaper to insure as equipment under contents insurance. Motorboats and sailing boats belong in boat insurance. We look at your list and split it sensibly.

### Can I occasionally hire out my privately insured boat?

On our private tariff you can include private hire for up to 30 days per insurance year. If you hire out regularly and commercially, you need the commercial tariff.

### Who handles the claim if a hirer damages my boat?

For boats insured with us, we settle claims ourselves. You report the damage directly to us, we instruct the surveyor and boatyard and decide in house.

## Request quotes

We obtain quotes and come back with a comparison. Free of charge and without obligation: the insurer pays our commission. You can write in English. https://www.nammert.com/en/business-insurance-boat-hire.php#anfrage

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NAMMERT Assekuradeur GmbH, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, broker register no. D-C08Q-TOSD4-37. For boat and yacht insurance we act as underwriting agency, not as broker.

NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, +49 3375 29 12 77, info@nammert.com. Wikidata: Q141141479.