Coverage built around the way you use the water — from weekend cruisers in Newport Beach to fishing vessels out of Morro Bay. You deal directly with me, not a call center.
Ethan Hermann has been licensed in Property & Casualty insurance since 2021, with a career built on commercial lines experience and a deliberate transition into marine coverage.
He spent three years at Arthur J. Gallagher & Co., a global insurance brokerage, where he developed a strong foundation in risk assessment and client service across commercial accounts. That background informs how he approaches every client — focused on coverage that fits the actual exposure.
That foundation led him to Hubbell Marine Insurance, where he now specializes in boat and vessel coverage. Marine insurance is a specific discipline: hull values, navigation territories, on-water liability, and lender requirements all factor into a policy in ways that general P&C coverage doesn't address.
What sets Ethan apart is direct industry crossover. He holds a California yacht and boat salesman license and works alongside Executive Yacht and Ship, a sport fishing and yacht brokerage in Oxnard, CA. He works with boat buyers from first inquiry through closing — meaning he understands the asset, the intended use, and the client long before the insurance conversation begins.
From inshore sportfishing to offshore sailing, I match coverage to your actual situation — not a generic package.
Comprehensive hull and liability coverage for pleasure vessels from day cruisers to offshore yachts navigating California waters.
Specialized coverage for jet skis and personal watercraft — whether you're riding coastal swells or inland bays.
Coverage for working vessels and commercial operations — fishing fleets, charters, dive boats, and more operating in California waters.
I work with boaters across the Central and Southern California coast — the marinas, channels, and offshore zones you actually fish and cruise.
Don't see your marina? I cover all of coastal California — reach out and let's talk.
From Morro Bay to San Diego, each harbor has its own conditions, risks, and marina requirements. Here's where I work.
Home base for Executive Yacht and Ship in Oxnard, where Ethan works alongside buyers from first inquiry through closing. Channel Islands Harbor and Ventura Harbor are active sport fishing and sailing centers with direct access to the Channel Islands National Park — one of California's premier offshore destinations.
Newport Harbor is one of the largest recreational harbors on the West Coast, home to a dense mix of sailing yachts, sportfishers, and day cruisers. Vessels here frequently make offshore runs to Catalina Island and the outer banks — navigation territory and offshore liability limits matter here.
Santa Barbara Harbor serves a mix of liveaboards, sportfishers, and sailing vessels working the Santa Barbara Channel and running to Santa Cruz and Santa Rosa Islands. Kelp beds, heavy weekend traffic, and proximity to the islands create specific on-water liability exposures worth addressing in the policy.
Marina del Rey is the largest man-made small-craft harbor in the United States. High slip density, active Catalina Island traffic, and a concentration of charter operations make proper on-water liability coverage essential. LA-area boaters also frequently trailer vessels to launch ramps throughout the region.
San Diego Bay, Mission Bay, and Shelter Island support one of California's most active marine communities — including a significant sport fishing fleet that regularly runs to Mexican waters. If your navigation territory includes the Coronado Islands or Baja California, your policy needs to reflect that explicitly.
Morro Bay is the commercial and recreational fishing hub of California's Central Coast. Vessels here contend with active bar crossings, heavy swells, and commercial traffic — conditions that require policies with proper salvage, wreck removal, and navigation territory coverage built for working the Pacific coast.
Long Beach Harbor and Alamitos Bay sit adjacent to one of the busiest commercial shipping ports in the Western Hemisphere. Recreational and commercial vessels share channels with container traffic, making collision liability limits a critical part of any policy for boats operating in this area.
A few things that matter when you're dealing with the water.
You get my direct line. Not a call center, not a queue. When something happens on the water, you reach me — and I handle it.
I don't sell generic packages. I ask about your vessel, how you use it, and where you operate — then put together coverage that actually makes sense.
I know California coastal waters. The channels, the marinas, the offshore zones, and the specific risks that come with saltwater boating on the Pacific.
As an agent at Hubbell Marine Insurance — a brokerage focused exclusively on marine risk — I access coverage purpose-built for the water, not a generic boat add-on.
I move quickly and explain exactly what you're buying. No surprises when it comes time to file a claim.
As your fleet changes — upgrades, new vessels, added equipment — I update your coverage accordingly. You don't have to start over each year.
Straightforward answers to questions California boaters ask most.
The fastest way to get a quote is to reach out directly. I'll ask a few questions about your vessel and usage, then come back with options that fit.
