text: what kind of insurance do i have to get if i work in boat marina? clean the boat, wax and wash. i'm assuming you're self-employed.  you need to get liability insurance so if you accidentally break something you'll be covered.  there are insurance policies written specifically for this type of risk - you'll need to contact a local commercial agent to assist you.  if you have a substantial amount of tools or equipment that you use to clean the boat you'll want to get coverage for those as well (if you're tools are only worth $200 though i'd just skip this coverage)  if you have employees you'll want to consider workers compensation.  if you can afford it health insurance is a good thing for you to have.  also, if you have a family or any type of dependent you might want to consider a term life policy.  you can get one from your agent or you can look online as well.