Incorporated in California in 1987, Douglas K Smith Marine Insurance in Point Loma writes ocean-marine, yacht, and commercial-vessel policies from 1110 Scott Street near the Sunset Cliffs marina basin. The agency underwrites hull and protection-and-indemnity coverage for the recreational and charter fleets berthed at facilities like Kona Kai Marina along Shelter Island. As an independent Travelers agent, the firm accesses global marine markets to place coverage on vessels ranging from day-sailers to blue-water cruisers transiting Point Loma San Diego waters. Builder's-risk and in-water survey requirements coordinate with the marine trades clustered on Scott Street, including fabricators like ShoreSight Marine Windows that perform structural work on insured hulls. The firm's highest-value placements structure multi-hull fleet programs with layered excess liability, cargo coverage, and global navigation endorsements for vessels transiting international waters.