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HarborGuard Expands Eligibility to Include New Territories

By: Elizabeth Sedlock | Posten on: Jun 13, 2012 8:47:00 AM

HarborGuard Insurance Program Also Offering Lower Property Rates Nationally

Lake Saint Louis, Mo. – June 13 – Stuckey & Company is pleased to announce new expanded eligibility rules for HarborGuard, Stuckey & Company's marina, boat dealer and marine artisan insurance program.

The expanded coverage includes property in first tier coastal counties, excluding wind, (including in Florida).  In addition, a HarborGuard policy can include wind coverage if the risk is located more than 50 miles from the gulf/coast (except in Florida).  Last but not least, the HarborGuard program is also offering lower property rates across the United States.

“HarborGuard was the first program Stuckey & Company offered and holds a special place in our hearts,” said Dwight Stuckey, CEO of Stuckey & Company.  “That is why we are particularly excited to expand the program to include a larger area and help more marinas and boat dealers find quality insurance coverage.”

HarborGuard offers comprehensive insurance coverage tailored to the unique risks of the marine industry.  The program is available to qualifying risks in 47 states (excluding Alaska, Hawaii and New Hampshire). Stuckey offers 24-hour turn-around for eligible risks.

Liability can be given up to $1 million per occurrence / $2 million aggregate, for general liability, marina operators legal liability (MOLL), watercraft liability for rental boats and work boats, non-owned auto liability and liquor liability. Minimum annual premiums for $1 million / $2 million limits are $2,500.

Property coverage is written on a special coverage form and the valuation of the property can be replacement cost or actual cash value. A $5 million TIV property capacity is available for onshore, floating, vessels, miscellaneous equipment and boat dealers’ inventory. Deductibles start as low as $1,000.

For agents interested in writing HarborGuard policies, submission requirements include a completed HarborGuard application, expiring premium (if possible), pictures of any docks, and three years of loss runs for the business. If agents have not worked with Stuckey & Company in the past, they will also need to complete a brief application to become an appointed agent

Contact Jerry Lovin at 800-828-3452 x27 (jerry@stuckey.com) for all the details.

About Stuckey & Company

Stuckey & Company is a specialty insurance provider based in Lake St. Louis, Missouri. For 20 years, Stuckey has offered commercial, professional and personal lines of insurance. Stuckey & Company’s network of more than 8,000 licensed agents has the knowledge and experience in dealing with specific coverage. As one of the fastest-growing specialty insurance providers in the U.S., Stuckey & Company offers E&O coverage to over 300 classes in sectors that include technology and IT consulting, accounting and financial services, government services, media, laboratories and education. The company also offers a variety of standard policies. For information on any of the insurance programs from Stuckey & Company, call 1-800-828-3452 and ask for Dwight Stuckey.

 

Topics: marina insurance, harborguard, harborguard, marine insurance

Best's Review Feature on Stuckey & Company

By: Elizabeth Sedlock | Posten on: May 4, 2012 2:30:00 PM

Stuckey & Company was featured in the May issue of Best's Review.  The article provided a history of the company as well as an overview of the current business, including our specialty products HarborGuard and SafetyTek. ______________________________________________________________________________________

Water Lines

by Dennis Gorski

Inland marina coverage launched Stucky & Co. 20 years ago and continues to produce for the firm.

For specialty-risk broker Stuckey & Co., what's old is new again, thanks to a hardening market in marina and boat dealer insurance.

The Lake Saint Louis, Mo.-based firm sees the sector turning around after last years' string of severe-weather losses.  The rebound has blown new wind into the sails of the program upon which Stuckey was founded 20 years ago when it dealt exclusively with the marina and marine dealers' market.

Known as HarborGuard since 1994, the program is a suite of products under Stuckey's commercial general liability offering.  It's available in 46 states -- only Alaska, Hawaii, Florida and New Hampshire aren't included -- and protects "inland" marinas against both floating and onshore risks.

"In the marina market, there's probably $500 million of premium written, and we hold probably 1% of that," according to Jerry Lovin, general manager and chief underwriter for HarborGuard.

Read the rest of the Best's Review article here. 

Topics: specialty insurance, safetytek, harborguard, Stuckey & Co.

Insurance Journal Features Stuckey & Co. HarborGuard

By: Elizabeth Sedlock | Posten on: Feb 27, 2012 4:13:00 PM

The Insurance Journal featured Stuckey & Company's HarborGuard program in an article about the marina insurance market.  You can read an excerpt from the article below and find the rest on the Insurance Journal site at:

http://www.insurancejournal.com/magazines/features/2012/02/20/235813.htm

Insurance Journal Features Stuckey & Co.

 

Marina Market Tightens Up in the Wake of Catastrophe-Ridden 2011

The marina insurance market seems to be heading for some changes, thanks to the stormy losses of 2011.

While the hard/soft market cycle has been a fact of life for the insurance industry almost since its inception, it is beginning to morph into a more individual pattern, which could be termed “cycle specific.” Essentially, the cycle is affected by regional events. The Japan earthquake and tsunami raised rates in that country, as did the earthquakes in New Zealand and the floods in Australia. But these events had a far lesser effect on the overall cycle, which is still generally a soft market.

"Disasters have pushed rates for marina coverage up by nearly 25 percent."

Marina coverage is no exception. “Generally it’s still a soft market,” said Kerry Stuckey, COO and co-founder of Stuckey and Co., a St. Louis-based wholesale agent that specializes in marinas, as well as other specialty lines. However, the high number of tornadoes that struck the South and Midwest, particularly the massive destruction in Joplin, Mo., as well as the floods in Tennessee, have raised exposure levels and have pushed rates for marina coverage up by nearly 25 percent.

More...

Topics: Stuckey & Company, marina insurance, harborguard, Stuckey & Co., boatyard insurance

Marina Insurance Market Hardening According to Early Indicators

By: Elizabeth Sedlock | Posten on: Feb 24, 2012 10:20:00 AM

According to early indicators, the marina and boat dealer insurance market is hardening because of 2011’s increased losses.  For that reason, you need to get marina and boatyard insurance submissions in as soon as possible to receive the best quotes possible and get access to the HarborGuard marina insurance program.

Due to the large losses carriers sustained during 2011’s storm season, carriers are increasing rates and deductibles across the entire class of business.  In addition, many well-known carriers have vanished from the marketplace altogether and those that remain have a decreased appetite, especially in weather-prone regions.

“To get the most competitive quote, agents need to submit a HarborGuard application immediately,” said Kerry Stuckey, COO of Stuckey & Company.  “The hardening of the market is gathering steam so time is of the essence if you want to ensure access to the HarborGuard program for your clients."

Silver Bay MarinaHarborGuard offers comprehensive insurance coverage tailored to the unique risks of the marine industry.  The program is available to qualifying inland risks in 46 states (excluding Alaska, Hawaii, New Hampshire and Florida). We have in-house (same-day) quoting authority for many risks, and offers 24-hour turn-around for others.

Liability can be given up to $1 million per occurrence / $2 million aggregate, for general liability, marina operators legal liability (MOLL), watercraft liability for rental boats and work boats, non-owned auto liability and liquor liability. Minimum annual premiums for $1 million / $2 million limits are $2,500.

Property coverage is written on a special coverage form and the valuation of the property can be replacement cost or actual cash value. A $5 million TIV property capacity is available for onshore, floating, vessels, miscellaneous equipment and boat dealers’ inventory. Deductibles start as low as $1,000.

If you are interested in writing HarborGuard policies, submission requirements include a completed HarborGuard application, expiring premium (if possible), pictures of any docks, and three years of loss runs for the business. If you have not worked with us in the past, you will also need to request and complete a brief application to become an appointed agent.

Contact Kerry Stuckey at 800-828-3452 x14 (kerry@stuckey.com) for all the details.

Topics: marina insurance, harborguard, harborguard, boatyard insurance, marine insurance, boat insurance

December Agent Alert - Stuckey & Company

By: Elizabeth Sedlock | Posten on: Dec 1, 2011 9:50:00 AM
Stuckey Agent Alert
Safety TekAspire A&EHarbor GuardMPLElementServicerProPersonalCommercial
 

Holiday Greetings

As the Holiday Season is upon us, we find ourselves reflecting on the past year and on those who have contributed to the success of Stuckey & Co. in a most significant way. From the bottom of our hearts, we say "thank you" to all of you who have made it possible for us to continue to serve our clients in such a wonderful way.

Each of you has played a valuable role in the success of our agency. We look forward to creating even more success together over the next year.

From our family to yours, we wish you a holiday filled with peace, love, and joy and a New Year with many blessings and lasting happiness.

Best to you all!

Dwight and Kerry Stuckey


What's New at Stuckey in 2012?

Incentives Program

At Stuckey & Company, we know that our success depends on working with the best producers.  To encourage you to grow your relationship with Stuckey & Company, we are launching a year-long, multi-product incentive program that will reward and recognize those of you who grow your business with Stuckey & Company. 

The program is simple: every two months, we will be focusing of one of our award-winning product lines.  For every new bind order you make of the featured product, you will be entered to win either the new iPhone 4S or a Kindle Fire.  A winner will be chosen for each product line so you have 6 chances to win.  It is up to you to claim your prize!

January-February: HarborGuard

March-April: SafetyTek Technology E&O

May-June: MPL

July-August: Aspire A&E

September-October: Commercial

November-December: Personal

Look for an email later this month announcing the start of the HarborGuard incentive program and outlining the terms and conditions.

Webinars

Coming in January:

January 19: New Agent Webinar

Welcome to Stuckey & Company!  Every six months, we host a New Agent Webinar to help our new agents and brokers learn about our easy quoting and application systems as well as information on coverage options.

January 26: SafetyTek Technology E&O Webinar

Did you know that Technology Errors and Omissions insurance coverage is NOT provided by a Commercial General Liability policy?  Learn all you need to know to grow your existing technology E&O business or jumpstart a new program.  This webinar will focus on the types of coverage offered by SafetyTek Technology E&O and the reasons your clients might need this type of specialized liability coverage.

To RSVP for any of the Stuckey & Company webinars, please send an email to Elizabeth Sedlock at esedlock@stuckey.com with the webinar name in the subject line.  You can also visit our website to sign up. 


Marina Insurance - HarborGuard

Don’t forget: the HarborGuard incentive program starts in January!

So, the economy has not improved much.  One thing that never changes is the need for marina insurance, especially in underserved areas.  Because Stuckey & Company can write policies for marine businesses that have insufficient liability insurance, or that have thought about reducing coverage to cut costs, Stuckey & Company has seen very strong activity from insurance agents with clients in need of these tailored coverages. The HarborGuard program gives these marine businesses outstanding coverage at an affordable price. 

In addition, HarborGuard includes new features that protect eligible classes, and gives agents more flexibility when writing policies. 

Popular new features include:
• Now can include water sports liability up to policy limits 


• Now includes Sudden and Accidental Pollution coverage 


• Deductibles as low as $25,000 for docks, including wind/collapse 


• Campgrounds, resorts, and homeowners associations now included


• Now able to write excess/umbrella and auto 


• The program can also include replacement cost on docks, liquor liability, non-owned auto and boat rental.

January and February is the time when marine businesses look toward the upcoming season and revisit insurance coverage.  So don’t be caught out in the water trying to keep yourself afloat…let us assist you in reviewing your current marina coverage to see if we can improve both cost and coverage.

For more information, please contact Jerry Lovin at jerry@stuckey.com.

START QUOTING NOW!  Get in the running for an iPhone 4S or Kindle Fire.  For applications and forms, click here.


Bind More Technology E&O Insurance

Great news: The SafetyTek forms are now approved in California!

We know the tech industry.  As the pioneers in technology E&O coverage, we understand that information technology professional service providers operate in a perilous business climate.  You can help them protect their businesses by offering professional liability insurance tailored to THEIR needs.

Educate your clients on the whys and hows of technology E&O coverage…Many professionals will not know that Technology Errors and Omissions insurance coverage is not provided by a Commercial General Liability policy. Commercial General Liability does NOT provide coverage for programming errors, contract performance disputes or any other Professional Liability issues. IT consultants and companies who have General Liability without Professional Liability (Errors or Omissions) coverage are taking a serious risk. It’s like a doctor practicing medicine without Malpractice insurance.

Technology coverages encompass a range of exposures. Some are specifically tailored, and others are broader.

When it comes to a knowledgeable team of Technology E&O insurance professionals, Stuckey & Co. has you covered.

For more information regarding Technology E&O insurance, please contact Maggie Hammett at maggie@stuckey.com. 


START QUOTING NOW!  For applications and forms, click here.

 

 
Inside This Issue
 

What's New at Stuckey in 2012?div
Marina Insurance - HarborGuarddiv
Bind More Technology E&O
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RHYME & REASON

Happy Holidays!

We at Stuckey sat down this year
to design our holiday card,
but getting our family in here
turned out to be rather hard.

Mom, Pop and their kids showed up
to meet the photographer.
Then Pop suggested the office staff
should be in the picture for sure.

So Underwriting elbowed in.
Customer Service did too.
And little by little the Stuckey family
grew and grew and grew.

The photographer got a wide lens.
He told everyone to squeeze.
Mom interrupted and stopped it then
before we could say “Cheese!”

“Look at our family!” she said.
“I’m thankful to have you near.
How can we say it’s a family photo
without our customers here?”

So that’s why we don’t have a photo
and why this poem is for you.
May you be as blessed this holiday
as we are blessed all year through.

 


Kudos
  The Three Avocados coffee we sent you last year paid for a well in Africa. To learn more about this wonderful organization, click here.

 

 

Three Avocados Resize resized 600


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Topics: affinity insurance program, competitive insurance, speciality insurance, tornadoes, tornado, insurance claim, weather, storms, Stuckey & Company, Blog, marina insurance, harborguard, kerry stuckey, stuckey and company, mga, specialty insurance, green insurance, element, safetytek, it insurance, HIgh Value Homes, hurricane season and insurance, personal lines insurance, EPL, Miscellaneous Professional Liability, Employment Practices, Management Liability, office insurance, corporate insurance, employers liability insurance, TECHNOLOGY, TECHNOLOGY, HubSpot Tips, harborguard, technology E&O, Stuckey, Stuckey & Co., stuckey and company, Stuckey and Co., data loss insurance, data loss risk

Stuckey & Company Newlsetter

By: jennifer strathmann | Posten on: Jul 27, 2011 7:34:00 PM
Stuckey Agent Alert
Safety TekAspire A&EHarbor GuardMPLElementServicerProPersonalCommercial
 

Stuckey & Company Celebrates 20 Years in Business

Good food and fun times were had by all at Kitaro Bistro of Japan thanks to Tracey Hagy-Kelly & Chris Dougherty from The Hartford. They were gracious enough to sponsor and attend our 20th Anniversary Celebration. Employees surrounding three closely arranged teppan tables enjoyed an entertaining Hibachi lunch prepared and served right in front of us by our very own Kitaro Chefs.

Founded in July of 1991, Stuckey & Company was known exclusively as the Managing General Agent of the HarborGuard marina insurance program. Now, 20 years later, Stuckey & Company is recognized as one of the most innovative niche insurance providers with a portfolio of eight specialty insurance programs tailored to the needs of specialized industries. It works with a network of 8,500 independent insurance agents to provide their clients with reliable, affordable, tailored insurance.

 “We are particularly proud of our HarborGuard marina program, because this was the program that launched our company,” says Kerry Stuckey, chief operating officer of Stuckey & Company and the program manager for the HarborGuard program. HarborGuard was relaunched in 2009 with a rate structure that is very competitive in local markets. “Today, we still offer the most comprehensive program for this specialized market, with tailored liability insurance for a wide variety of businesses, including marinas and boat yards, boat dealers, and marine artisans such as boat repair and supply shops,” Stuckey says.

In 1997, Stuckey & Company launched the SafetyTek insurance program designed for IT contractors. Since then, the company’s Tek Division has expanded to cover the risks of diverse technology professionals. “I graduated from college wanting to be the world’s best computer programmer,” says Dwight Stuckey, chief executive officer, “but then I realized I could combine my knowledge of the insurance industry with my interest in the emerging IT field, where the insurance risks were still undefined.”

And Stuckey & Company doesn’t just insure technology – it also utilized innovative technologies to help licensed agents and insureds get faster service and more accurate quotes. Dwight Stuckey says they redesigned their web site earlier this year to make it easier for people to find the information they need, and enter their information a single time and get multiple quotes from different carriers. “We have numerous online tools available to agents and their clients that streamline the application process and allow them to see more options for coverage,” Stuckey says. “We have redesigned our online application to only include the questions necessary to underwrite, rate and issue the policy and have eliminated any un-needed questions. Our TekDivision Professional Liability application focuses on minimizing workflow bottlenecks and allowing you to gain instant access to our rating engine.”

“We also work with the insurance carriers to make the tools they have developed available to our agents and their clients,” Dwight Stuckey says. Stuckey & Company offers online rating tools for commercial lines, personal lines and professional liability coverage. He attributes his firm’s strong relationships with leading insurance carriers as a major reason Stuckey & Company is still going strong after 20 years.

“We don’t chase trends in insurance,” he says, “but we do pay close attention to emerging industries that have unique insurance requirements, and work closely with top-rated carriers to develop specialty programs that address those underserved markets.” Stuckey says sometimes it takes more than a year to develop the underwriting guidelines and launch a new specialty insurance program for a niche industry. “We spend a lot of time researching emerging industries and understanding the gaps in coverage that a standard policy would carry, and then we find carriers willing to create the programs to address those gaps.”

In addition to the SafetyTek and HarborGuard insurance programs, Stuckey & Company’s branded programs include Aspire A&E Insurance for architects and engineers; the Element Green Insurance Program for sustainable “green energy” businesses; NetProtect Essential coverage for companies that transmit data over the Internet; and ServicerPRO, a comprehensive business insurance package for appliance repair professionals. In addition, it offers Miscellaneous Professional Liability coverage, Commercial Lines insurance, and Personal Lines insurance.

Moving forward, Stuckey & Company hopes to spend the next 20 years continuing to grow with its licensed agent network of 8,500 dedicated insurance professionals and the select group of highly-respected carriers it works with. It wants to remain the predominant resource for “insuring the connection” between independent agents and companies in specialized industries served by its insurance programs.

For more information, contact Dwight Stuckey 


High Value Homes

Property casualty insurance – protection for your homes, cars, fine arts, jewelry, liability and yachts – is a critical part of personal wealth management, yet many successful people still view it as a foot note in their overall plan.  Those who have a lot to protect are wise to choose a provider that can address all of their coverage needs.   Working with one insurer not only reduces administrative hassles, but also helps eliminate gaps or overlaps in protection.  By partnering with Stuckey & Company for your high net worth customers you will have access to the most prominent high value home carriers in the industry.

Personal risk management for the wealthy is a process that involves identifying the potential loss exposures, determining the client’s tolerance for risk and devising customized solutions.  A detailed valuation helps ensure adequate levels of homeowners coverage are in place by identifying exposures that could cause costly damage if left unchecked. 

Here’s an example…..

Bob F. has a lifestyle similar to many successful Americans.  He travels often with his family, enjoys golfing at his country club and sits on the board of a not-for-profit organization.  In addition to his executive income, Bob has approximately $4 million in assets – including a large home, three cars, jewelry, other collectibles and a well-managed portfolio handled by his financial advisor.

Years ago, Bob purchased property casualty insurance directly through a mainstream provider, which he renews annually.  However, his insurance agent never recommended a review to see if his policies were keeping pace with his asset acquisitions.

Fortunately, a business opportunity connected Bob to a senior manager at Chartis, who recommended a “lifestyle review”.  This eye-opening exercise revealed the depth of his vulnerability:

  • His homeowners insurance policy would not provide full replacement value for his home.
  • He had immense gaps in his liability coverage, especially pertaining to his board participation.
  • His liability coverage limits would be significantly less than his net worth if he were sued.
  • He employed a housekeeper, but did not have Employment Practices Liability Insurance coverage.

Bob was stunned.  Neither he nor his financial advisor had stopped to consider the role a sound insurance program could play in safeguarding his wealth.

Stuckey and Company, in conjunction with Chartis Private Client Group, can provide your high net worth customers and their financial advisors with objective advice and access to more sophisticated coverage solutions to match their lifestyles. 

When written with a home and auto, the following are some of the coverages available to your high net worth customers. 

  • Personal excess liability limits up to $100 million.
  • Group personal excess liability insurance programs.
  • Broad coverage for Limited Liability Corporations managing personal exposures.
  • Kidnap, ransom and extortion insurance coupled with resources to reduce the likelihood that an individual will be targeted in the first place.
  • Insurance for family office professionals:  Errors & Omissions, Directors & Officers and Employment Practices Liability Coverage.

One-size-fits-all insurance policies aren’t meant for those with complex assets to protect.  These policies are specially created to address the unique exposures that come with substantial wealth. For more information regarding our high value home carriers please contact our Stuckey Personal Lines Department. 



Marina Insurance - HarborGuard

With boating season fast approaching, what better time to ensure you are covered? Stuckey & Company has over 20 years' of experience managing the HarborGuard marina insurance program, a specialty insurance program for a wide variety of marine businesses, including marinas and boat yards, boat dealers, and boat repair and supply shops. While many businesses in this industry are feeling the impact of the economy, Stuckey & Company has seen very strong activity from insurance agents with clients in need of these tailored coverages. The HarborGuard program includes new features that protect eligible classes, and gives agents more flexibility when writing policies. P

Popular new features include: 
• Waived requirement for primary pollution coverage 
• Now can include water sports liability up to policy limits 
• Now includes Sudden and Accidental Pollution coverage 
• Deductibles as low as $10,000 for docks, including wind/collapse 
• Campgrounds, resorts, and homeowners associations now included
• Now able to write excess/umbrella and auto 
• The program can also include replacement cost on docks, liquor liability, non-owned auto and boat rental.

“We have worked closely with the carrier to ensure the HarborGuard program is a competitive program in today’s insurance environment,” Stuckey says. “We’ve written or been very cost-competitive on every policy we’ve quoted, and agents have confirmed that the changes we’ve made are helping them meet their clients’ needs.” The carrier is rated by A+ (Superior) IX by A.M. Best, and is written non-admitted. The marine industry has very few national carriers with rates that are competitive for local markets. “Based on our 20 years of experience in marine insurance, we are confident that HarborGuard addresses the insurance needs of marinas and marine professionals who have had difficulty finding appropriate, affordable coverage in recent years,” Stuckey says. “For marine businesses that have insufficient liability insurance, or that have thought about reducing coverage to cut costs, our program gives them outstanding coverage at a price they can afford.” So don’t be caught out in the water trying to keep yourself afloat…let us assist you in reviewing your current marina coverage to see if we can improve both cost and coverage.

For more information, please contact Kerry Stuckey at 1-800-828-3452 ext 14


 
Inside This Issue
 

Spotlight on: Stuckey Celebrates 20 Years in Business
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High Value Homes
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Marina HarborGuard Program

 
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Someone had a pack of matches
and soon the flames were lit.
The bells and sirens sounded loud.
The smoke alarms were hit.

Stuckey rushed to action, then,
as faxes, phone calls, emails,
paperwork and memos billowed out
like wind in a clipper's sails.

 

Claims were set to speed on through
so people could repair.
Surviving a fire is fearsome work,
and you can't rebuild from air. 

 

But then a voice was raised at last
that didn't sound so dire:
Take it easy, Stuckey, man:
it's just a cake on fire.


 


Kudos
  “You are the best! I really don't know what I would do without Stuckey & Company. You guys are amazing to work with."  


NeedHelp
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800.828.3452

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Topics: speciality insurance, Stuckey & Company, Blog, marina insurance, harborguard, stuckey and company, HIgh Value Homes

Marina Insurance - HarborGuard especially for you!

By: jennifer strathmann | Posten on: Jun 27, 2011 10:09:00 AM

Harbor Guard - Marina Insurance

 

marina insurance

 

If you are a marina operator and are in need of marina insurance, there are several options you could go with. By going with Stuckey & Company, MGA licensed, who specializes in the market of covering insurance for businesses such as boat yards, marinas, boat dealers and more, you can rest assured that you are getting the best coverage. 

The reason you should go with a company like Stuckey & Co. for your marina insurance needs is because we specialize in this type of insurance. It is the first program launched in our successful business over two decades ago. Our agents know all the ins and outs of the marina and boat industry. This allows us to easily understand any issues or problems that come up in regards to your insurance coverage. 

When you decide on an insurance company, our agents will negotiate insurance contracts with your needs in mind. We are able to give you the best coverage and represent your needs and interests as best as possible.

There are many reasons to go with an insurance agency like Stuckey & Co.
We offer:
  • Exceptional service and coverage for your business
  • Top-notch customer service
  • Specialized industry knowledge
  • Customer loyalty
  • Competitive rates
For more information, please contact Kerry Stuckey. He has over two decades of experience that will prove to provide you benefits you thought only imaginable.


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Topics: marina insurance, harborguard, kerry stuckey, stuckey and company, mga, specialty insurance

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