Everglades insurance,
through NBOA.

What makes an Everglades different. Whaler DNA, premium finish.

Everglades Boats was founded in 1999 in Edgewater, Florida by Bob Dougherty — the son of Boston Whaler's founding family and the engineer who carried Whaler's foam-core, unsinkable-hull philosophy forward into a new, premium-finished platform. The lineage isn't marketing; it's literal. The man who helped build Whaler's reputation for hulls that won't sink started Everglades to build the next generation of them.

That heritage shapes both the engineering and the ownership experience. Everglades hulls are positively buoyant by construction, finish quality sits at the top of the center-console category, and the lineup is pitched squarely against Boston Whaler's Outrage line and Grady-White's Canyon line. Underwriters read the foam-core construction the way they read a Whaler: catastrophic total-loss-at-sea is a meaningfully less common claim, which shows up in how the class gets priced.

RAMCAP foam-core construction.

Everglades' defining build method is RAMCAP — Rapid-Molded Assembly Core Assembly Process — a foam-cored fiberglass construction in the same structural family as Boston Whaler's Unibond. A closed-cell foam core is injected between the inner liner and outer hull, bonding the two into a single structural unit and giving the boat reserve buoyancy so it floats level even if swamped. The result is a hull that's stiff, quiet underway, and positively buoyant — with finish quality (gelcoat, hardware, upholstery, rigging) held to a premium standard throughout the lineup.

• RAMCAP closed-cell foam-core construction across the full lineup — same unsinkable-hull philosophy as Boston Whaler, applied with premium finish standards
• One-piece molded hull, liner, and stringer grid bonded as a structural unit — no wood in the structure, no rot failure mode as the boat ages
• Self-bailing cockpits and integrated transom design — triple and quad outboard setups on 335+ models engineered into the hull from the mold, not retrofitted
• Marine-grade tinned wiring and loomed harnesses — reduces corrosion-related electrical claims in SE US and Gulf salt environments
• High-end hardware, gelcoat, and upholstery specification — finish work sits above typical production offshore CCs and is a meaningful share of hull value at claim time

Affluent offshore fishermen, and families who keep them.

Everglades owners skew affluent and experienced — Florida, Gulf Coast, Carolinas, and Texas offshore fishermen running the 253 through 360 LXC, and family cruisers on the dual-console and larger LXC hulls. The cross-shop is almost always Boston Whaler Outrage and Grady-White Canyon; buyers landing on Everglades are specifically paying for the RAMCAP hull and the finish level. Everglades hold value well — single-owner boats commonly trade at 65–80% of original MSRP a decade in on documented examples. Underwriters read that ownership profile as lower first-party claim frequency and better-preserved hulls at survey, much like Whaler and Grady.

The insurance angle. Where Everglades shapes the policy.

Three things about Everglades specifically shape how coverage gets placed: the RAMCAP foam-core hull produces a favorable claim profile similar to Boston Whaler's, the premium positioning and slow depreciation make agreed-value critical, and the triple/quad outboard setups common on 335+ hulls represent a large share of vessel value that needs its own treatment.

• Favorable class risk on the hull — like Whaler, the foam-core RAMCAP construction reduces catastrophic total-loss-at-sea risk. It doesn't eliminate collision, fire, theft, storm, or liability claims, but underwriters price the hull-loss piece meaningfully better than a comparable non-foam-core CC of the same LOA and age.
• Agreed-value is effectively mandatory — Everglades sit at the premium end of the CC market and hold value accordingly. ACV on a 10-year 320 EX or 350 LX would settle at a small fraction of what replacement actually costs. Agreed-value with a current survey in hand locks in a number both sides sign off on at bind.
• Navigation territory — the 273, 295, 335, 360 LXC, and 455 are routinely run 30–100+ NM offshore, Gulf Stream, and to the Bahamas. Standard 12–25 NM policies leave serious gaps; Bahamas specifically is a separate endorsement on most carriers. We place coverage that matches how the boat actually runs.
• Multi-outboard powertrain treatment — triple Yamaha F300s or quad F350/F425s on a 335, 360 LXC, or 455 routinely represent 30–45% of vessel value. Outboard-specific theft coverage, agreed-value on the engines themselves, mechanical breakdown endorsements, and Yamaha Y.E.S. extension at the 3–5 year mark are worth evaluating separately from hull coverage.
• Regional claim patterns — because the owner base is concentrated in Florida, the Gulf, and the SE Atlantic, lightning strikes are the single most common non-cosmetic claim we see, followed by stolen outboards at the dock and hurricane-season haul-out damage. Underwriters know the regional picture; deductibles and windstorm terms reflect it.
• Carrier fit — we place Everglades most often with Chubb (effectively essential on the 360 LXC and 455) and Progressive on the smaller 230/243/253 hulls. Each has different strengths on offshore territory, Bahamas endorsements, agreed-value thresholds, and multi-outboard treatment — NBOA shops the full panel rather than defaulting to one.

This is where an expert at NBOA can step in. As an independent marine insurance brokerage, NBOA quotes Everglades owners across multiple carriers and matches the policy to how the boat is built, where it runs, and how you actually use it.

Everglades models we quote.

Beyond the top brands.

NBOA places insurance on 1,100+ boat manufacturers across our catalog — from aluminum skiffs to mega-yachts. If your boat isn't listed here, it's almost certainly one we still write.