I side with David M on this one... you are insured against loss by your insurance company, not Travellers. Your insurance company should pay you out and go after the party responsible for the damage.
The only wrinkle I see is if you are a licensed captain
, ie., USCG Master, then it can get messy with arguments about where you may have been anchored in relation to an open roadstead, amount of scope
on your vessel, watchkeeping practices, your ships log, etc.
Bottom line... get a lawyer and put the onus on your ins company. Hope it all works out... Capt Phil