C&L Marine Insurance

What C&L Marine Insurance does

C&L Marine Insurance, doing business as C&L Insurance, Inc., is a family-owned insurance brokerage founded in 1991 and headquartered at 2295 NW Corporate Blvd #121 in Boca Raton, Florida. The firm operates as an intermediary between marine-insurance customers and multiple unnamed insurance carriers, with which it maintains preferred-agency relationships that allow it to source and compare coverage across the market. Its core service is brokerage, not underwriting: it places coverage rather than issues it.

The firm's product surface is built around specialized coverage for distinct marine segments: commercial lines for boat builders, boat dealers, marinas, and marine contractors, and personal/vessel lines for mega yachts, yachts, sportfish, and center consoles. Customer intake is handled via a toll-free number (1.800.226.3730), email ([email protected]), and a four-step online insurance questionnaire that captures general applicant information, vessel and operator history, vessel specifications (including hull, engines, navigation region, crew), and desired policy limits. The questionnaire's navigation field includes Florida, Bahamas, Caribbean, and Gulf of Mexico as selectable regions.

Revenue is generated through insurance-brokerage commissions paid by the carriers on placed policies, billed annually per the disclosed pricing cadence. The firm is a member of IIABA, FAIA, and four regional Florida Marine Industries Associations, and sponsors The Billfish Foundation, Bluewater Movements, and the West Palm Beach Fishing Club. Legal entities include C&L Insurance, Inc. and C&L Marine Insurance; no parent company, external investors, funding rounds, acquisitions, patents, or named senior leadership are documented in the source material. The marketing site is built on WordPress, with marketing support outsourced to Simply180.

Name

C&L Marine Insurance

Legal name

C&L Insurance, Inc.

Website

https://clinsurance.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1–10 employees

Short description

C&L Marine Insurance is a family-owned marine insurance brokerage founded in 1991 in Boca Raton, Florida, placing personal and commercial marine coverage with multiple carrier partners for boat owners, marinas, dealers, and marine contractors.

Ownership category

akta.pro rank

Product category

Marine Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Ocean Marine Insurance (Hull, Cargo & Freight) (FSAJAHAA), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB)

Keywords

• Marine insurance brokerage
• Yacht insurance coverage
• Boat insurance policies
• Commercial marine insurance
• Vessel protection plans

Headquarters

HQ city

Boca Raton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commissions: C&L Marine Insurance operates as an insurance broker/agency, earning commissions from multiple insurance companies for placing marine insurance policies. The company may share commissions or referral fees with business partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

C&L Marine Insurance is a family-owned insurance brokerage founded in 1991 that acts as a preferred agent with multiple marine insurance carriers to deliver personalized personal and commercial marine insurance policies. The firm connects vessel owners and marine businesses with coverage options across boat builders, dealers, marinas, marine contractors, mega yachts, yachts, sportfish, and center consoles, providing customized policies that are reviewed annually to ensure comprehensive protection.

Product overview

C&L Marine Insurance is a family-owned insurance brokerage founded in 1991, operating as a single unified service offering that connects clients with multiple insurance carriers to obtain personalized marine insurance coverage. The core offering is the Marine Insurance Brokerage Services product, which provides access to specialized coverage types for various vessel categories (Boat Builders, Boat Dealers, Marinas, Marine Contractors, Mega Yachts, Yachts, Sportfish, Center Consoles). The company also offers an online Insurance Questionnaire tool for quote requests. They leverage long-standing partnerships with multiple insurance companies to match clients with customized policies, emphasizing personalized service, specialized expertise, and customized coverage options.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal and Commercial Marine Insurance Brokerage A family-owned marine insurance brokerage established in 1991 that acts as an intermediary between clients and multiple insurance carriers to deliver personalized marine insurance coverage. The firm arranges policies for both personal vessel owners and commercial marine businesses across categories including Boat Builders, Boat Dealers, Marinas, Marine Contractors, Mega Yachts, Yachts, Sportfish, and Center Consoles, with customized policies reviewed annually.

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered minor and core.

• The Billfish FoundationminorGTM or Marketing PartnerC&L Marine Insurance is a proud sponsor of The Billfish Foundation, a nonprofit organization dedicated to conserving billfish populations and promoting responsible fishing practices.
• Bluewater MovementsminorGTM or Marketing PartnerC&L Marine Insurance sponsors Bluewater Movements, an organization focused on fishing and marine conservation activities.
• West Palm Beach Fishing ClubminorGTM or Marketing PartnerC&L Marine Insurance is a proud sponsor of the West Palm Beach Fishing Club, supporting the fishing community in South Florida.
• South Florida Marine Industries Association (MIASF)coreOthersC&L Marine Insurance is an active member of the South Florida Marine Industries Association, supporting the marine industry in South Florida.
• Palm Beach County Marine Industries AssociationcoreOthersC&L Marine Insurance is an active member of the Palm Beach County Marine Industries Association, supporting marine industry growth in the region.
• Treasure Coast Marine Industries AssociationminorOthersC&L Marine Insurance is an active member of the Treasure Coast Marine Industries Association.
• South West Florida and Tampa Bay Marine Industries AssociationminorOthersC&L Marine Insurance is an active member of the South West Florida and Tampa Bay Marine Industries Association.
• The Big 'I' (IIABA) - Independent Insurance Agents & Brokers of AmericacoreOthersC&L Marine Insurance is an active member of The Big 'I' (IIABA), the leading trade organization for independent insurance agents.
• Florida Association of Insurance Agents (FAIA)coreOthersC&L Marine Insurance is an active member of the Florida Association of Insurance Agents (FAIA), supporting the state's insurance industry.
• Multiple Insurance Companies (Unnamed)coreChannel Partner/ Reseller/ DistributorC&L Marine Insurance maintains preferred agency relationships with multiple insurance companies, allowing them to offer competitive coverage options and find the right policy for each customer's individual needs.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Arthur J. Gallagher & Co. Global insurance brokerage with a dedicated marine practice that places personal yacht, mega-yacht, and commercial marine risks — the same core segments C&L serves — through carrier relationships analogous to C&L's preferred-agency model.
• HUB International: Large North American insurance brokerage platform; the HUB co-branding on C&L's website suggests an existing affiliation, and HUB's marine practice serves the same boat/yacht owner and commercial marine customer base as C&L at greater scale.
• Aon (Marine / Yacht Practice): Global brokerage with dedicated marine and yacht broking capabilities. Overlaps with C&L in mega-yacht, sportfish, and commercial marine placements through a multi-carrier distribution model.
• Marsh McLennan (Marine Practice): Major brokerage with a long-standing marine and yacht insurance specialty. Comparable because it places hull, P&I, and liability coverage for the same personal and commercial marine clientele C&L targets.

Direct peers

• Heffernan Insurance Brokers: Independent brokerage with marine expertise serving boat owners, dealers, and marine businesses. Comparable to C&L as a mid-size independent placing marine risks with multiple carriers.
• Woodruff-Sawyer & Co. Independent insurance brokerage with a recognized marine and yacht practice. Direct peer to C&L in serving boat owners, dealers, and marine businesses via a multi-carrier, consultative model.
• Burns & Wilcox: Specialty insurance wholesaler with a marine practice covering yachts, boat dealers, and marine contractors. Direct peer to C&L in the specialty marine brokerage space.
• RPS (Risk Placement Services) — Marine Division: Wholesale and specialty insurance distributor with marine expertise; comparable to C&L as a specialty marine placement intermediary working through multiple carrier partners.
• Starkweather & Shepley Insurance: Independent agency with a dedicated marine and yacht practice, including mega-yacht and commercial marine lines. Closely comparable to C&L in size, specialization, and customer profile.

Emerging players

• IMIS (International Marine Insurance Services): Specialty marine insurance agency focused on personal and commercial marine placements. Comparable to C&L as a niche marine-focused broker competing for the same boat/yacht and marine-business client base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/in/scott-costolo-a31b124
• Instagraminstagram.com/clmarineinsurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about C&L Marine Insurance