For Boat Insurers

Pre-bind risk screening, captured at the moment of purchase.

Boat-Bridge is the buyer-advocate AI used by recreational boat buyers before they hire a SAMS/NAMS surveyor. We collect hull, engine, photos and disclosed red flags — the exact data your underwriters wish was in every submission.

Looking for boat insurance as an owner? Use our free Pre-Survey Screener →

Talk to our partnerships team See the buyer flow

The survey gap is costing you bound premium.

Most US carriers — Progressive, Markel, Geico Marine, BoatUS, Concept, Travelers — require a marine survey on used boats over a certain age, length or value. That requirement protects loss ratios, but it has a cost.

2–4 wks

Typical lag from quote to surveyor report — long enough for the buyer to walk or shop competitors.

$500–$1,500

Out-of-pocket survey cost the buyer eats — a friction point that kills lower-value policies entirely.

~30%

Of "subject to survey" quotes never bind, per industry conversations — the buyer either fails the survey or moves on.

We're already collecting your underwriting data — for free.

Buyers come to /pre-survey to avoid wasting $1,500 on a doomed boat. They volunteer year, make, model, engine, hours, location, photos, and check off the red flags they can see. The pre-survey screen is the carrot — your underwriting feed is the byproduct.

Photo + data already collected

Buyers upload hull, transom, engine bay, helm and hull-ID photos as part of our free pre-survey screen. The risk picture exists before you ever see the submission.

Compress quote-to-bind

Surveys take 2–4 weeks and stall a meaningful share of bindable quotes. Pre-bind screening lets you offer conditional terms faster on lower-risk units.

Better risk signal

Self-disclosed red flags + AI vision on photos surface known weak points (Yamaha midsection corrosion, Sea Ray transom rot, Bravo III service intervals) that traditional submissions miss.

Qualified buyer leads, opt-in

Buyers who tick 'Send me insurance quotes' explicitly consent to share their boat profile with partner insurers. No scraped lists, no cold leads.

Where partners can plug in

Used-boat purchase — issue conditional terms before formal survey, cancel-back if survey fails

Renewal — owner re-screens annually, you get fresh photos + condition signal

New-to-policy underwriting — pre-screen ahead of agent submission

Claims triage — same photo workflow for first-notice-of-loss

Honest about the field.

You've seen the AI marine pitches. Here's where they sit and where Boat-Bridge is different.

VIEWAPP

What they do: White-label photo inspection sold to insurers

B2B SaaS — no buyer-side reach, no recreational US presence

Concirrus

What they do: Commercial marine + cargo telematics

Wrong segment — built for hull & cargo at scale, not pleasure craft

Idwal

What they do: Vessel grading for maritime insurance

Commercial shipping — surveys at scale, not retail boat buyers

WizzBanger

What they do: Photo-based valuation for owners

Valuation, not risk screening — no insurer pipeline

Boat-Bridge

What we do: Buyer-side AI pre-survey screener for US recreational boat buyers

The only one sitting at the pre-bind moment with opt-in buyer consent and a structured photo + risk dataset.

Buyer consent, always.

Photos and boat data are only shared with partner insurers when the buyer explicitly opts in on the pre-survey form. We don't sell scraped lists. We don't sell to non-partners. The Pre-Survey Screener stays free for buyers regardless of whether they share with insurers — that's how we keep buyer trust and the data quality high.

Talk to our partnerships team

Tell us a bit about your program — line of business, US footprint, current survey requirements. We'll reach out to discuss a pilot.