Marine Pollution Insurance & COFR Coverage - Ocean Marine

Protect your vessels, facilities, and marine operations from the financial and regulatory risks of a pollution incident. Great American’s Marine Pollution Insurance and COFR‑Rite® solutions are designed to help maritime businesses navigate complex environmental regulations while providing comprehensive protection in the event — or even the threat — of a spill.

Whether you operate commercial vessels, shipyards, or marinas, our marine pollution insurance helps ensure your organization remains compliant, financially protected, and prepared to respond quickly and effectively.

Comprehensive Marine Pollution Insurance for Today’s Environmental Risks

Marine pollution incidents can escalate rapidly — from cleanup costs and civil fines to complex federal, state, and local reporting requirements. When time is critical, it is essential to work with a marine pollution insurance carrier that understands maritime exposures and delivers responsive, knowledgeable support.

Great American’s marine pollution insurance program provides broad, flexible coverage tailored to the unique operational and environmental risks of marine businesses.

Tailored Pollution Coverage for Commercial Vessels, Shipyards & Marinas

Our marine pollution insurance solutions are designed to support compliance and preparedness across a wide range of marine operations. Coverage is customized based on your vessel activity, operational footprint, and environmental exposure.

Marine Pollution Insurance Coverage Includes:

OPA Coverage – Pollution liability coverage arising under the Oil Pollution Act
Non‑OPA Coverage – Protection for pollution incidents outside OPA requirements
Fines and Penalties – Coverage for eligible civil fines and penalties related to pollution events
State Fines and Penalties – Protection for environmental penalties imposed by state regulators
CERCLA Coverage – Liability protection under the Comprehensive Environmental Response, Compensation, and Liability Act
Non‑CERCLA Coverage – Coverage for pollution-related liabilities not governed by CERCLA
Criminal Defense Coverage – Defense expense coverage for certain criminal allegations tied to pollution incidents
Certificates of Financial Responsibility (COFR) – Including Alaska and California COFR requirements; supports federal COFR compliance for vessels entering U.S. waters

Who Needs Marine Pollution Insurance?

Our pollution liability solutions are available for a wide range of maritime businesses, including:

Vessels
Shipyards
Marinas

From daily operations to emergency situations, these marine businesses face significant environmental exposure that requires dedicated, reliable coverage.

Enhance Your Pollution Liability Protection

COFR‑Rite® provides Certificates of Financial Responsibility insurance for vessels entering U.S. ports and waters and enrolled in the International Group of P&I Clubs, supporting federal and state COFR compliance requirements.

Why Choose Great American for Marine Pollution Insurance?

With decades of experience supporting the marine industry, Great American delivers customized marine pollution insurance solutions backed by a knowledgeable team of marine insurance professionals.