In 10 years in the marina business, I have unfortunately seen several drownings, swimmers run over by a boater’s propeller, broken limbs and backs and 50 or so sunken boats. Most of this was a result of somebody’s negligence. Many of these boaters failed to have insurance coverage! Unfortunately, there is no legal requirement to do so. The risks can be huge.

Boat insurance can be obtained from several sources. Many people choose to add their boat onto their homeowner’s policy and the umbrella insurance provided thereon. That is certainly better than not having insurance. Marine insurance may, in fact, prove to be a better buy. It certainly pays to do your homework. When there are problems, the marine insurers are considerably more conversant in the marine issues than the adjusters of the standard property & casualty commercial insurer.

It is surely advisable to take one of the safe boating courses offered by the U. S. Coast Guard or the U. S. Power Squadron. I would encourage your whole family to take the course and think about the safety issues when around your boat. Also be certain hat you have the proper number and type of Personal Floatation Devices (PFD’s) for the crew of your boat as well as the other safety equipment that’s appropriate and required by law. Just like in your car, be sure you have a designated driver along if you intend to consume alcohol while on your voyage! The sun and spray tend to exacerbate the absorption of alcohol into your bloodstream and many states now enforce a “BUI” Boating Under the Influence law.

Do your homework before buying your boat insurance, but be certain that you get it. This is true even for the smallest of boats, especially personal watercraft (PWC’s).

Have a safe and fun time on the water this year!

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