Writing marine policies since 1978, Oversea Yacht Insurance in Point Loma operates near the Sunset Cliffs coastline on Scott Street with access to more than 15 yacht-insurance carriers. Hull-and-liability placements cover everything from center-console sportfishers to sailing vessels berthed along the harbor, including the racing fleets registered at San Diego Yacht Club. Now an EPIC Company, the agency developed a proprietary Marine Artisan Product in partnership with AXA XL to cover independent marine contractors working on vessel construction, rigging, and electronics. Policies include emergency-towing and salvage endorsements that coordinate with on-water responders such as Sea Tow San Diego when a covered vessel needs recovery. The most complex placements involve layering international-waters hull coverage, crew P&I, and pollution liability on mega yachts transiting between Pacific, Caribbean, and Mediterranean cruising grounds.