If your marina business operates vehicles of any type, having the correct insurance to cover these vehicles and their drivers or operators is essential. No matter what types of vehicles you use for your business and how many of them you require, you should check that you have adequate coverage. This will protect you against damage, loss and liability if anything happens and legal action is taken, including a road traffic incident, theft or criminal damage to the vehicles that you use for your marine business. Coverage is necessary since it is specifically excluded within the Commercial General Liability policy. Contract provisions can also be extended to provide protection for physical damage to your own vehicles. Physical damage protection is divided into two specific coverages: Collision and Comprehensive damage.