In the vast and complex world of marine insurance, marine insurance brokers play a pivotal role in ensuring your boat is protected. This is particularly significant within the Canadian marine insurance industry, where there’s a need for specialized knowledge and tailored insurance solutions.
Understanding Marine Insurance Brokers
Marine insurance brokers act as intermediaries between clients and insurance companies. Their primary function is to help clients identify and secure the most appropriate insurance coverage for their specific maritime risks. Brokers leverage their extensive knowledge of the market to navigate through the vast range of products and providers. Ensuring the procurement of policies that offer the best terms and the most competitive premiums.
Expertise and Market Navigation
Marine insurance brokers possess the expertise to assess these unique risks and provide guidance on the most suitable types of coverage for you. They are adept at navigating the complex waters of the insurance market. Brokers usually work with multiple providers and can help you get the best insurance for you.
Facilitating Comprehensive Coverage
Given the intricate nature of marine operations, securing comprehensive insurance coverage is essential. Marine insurance brokers bring specialized knowledge to the table, ensuring that all potential risks are considered and adequately covered. This includes hull and machinery insurance, liability coverage, and more. Their expertise helps firms recognize the breadth of their coverage needs and facilitates the procurement of all-inclusive policies.
Reach Out To a Broker Today
In Canada, the significance of marine insurance brokers cannot be overstated. Canada’s vast coastline and the integral role of maritime activities in its economy necessitate a high level of specialized insurance expertise.
Brokers here must understand the local regulatory landscape, the specific environmental risks, and the unique operational challenges faced by the maritime industry.
As avid boaters, we understand the unique challenges faced by boat owners. The weather can be unpredictable and sometimes hostile, which can significantly affect your marine insurance claims. This blog will explore how weather events can impact your boat and the type of coverage you need to ensure you stay protected.
The Impact of Weather on Marine Insurance Claims
Canada’s diverse climate can present numerous weather-related risks for boat owners. From the extreme storms to harsh winters to wildfires, each presents unique hazards. Understanding these risks is crucial for safeguarding your investment.
Storm Damage
Storms can cause substantial damage to boats, ranging from minor repairs to complete loss. High winds, heavy rains, and powerful waves can lead to:
Hull damage
Equipment failure
Sinking or capsizing
Insurance Implications: Claims related to storm damage can be extensive. Comprehensive marine insurance will typically cover most repairs and replacement costs. However, policies may have specific stipulations regarding storm warnings and safe harbor requirements.
Flooding
Heavy rains or snowmelt can cause water levels to rise, leading to flooding. This can result in:
Engine damage
Electrical system short-circuits
Interior water damage
Insurance Implications: Marine insurance usually covers flood damage, but it’s crucial to understand the specific coverage limits and exceptions in your policy.
Ice and Cold Weather
Canadian winters pose threats such as ice formation and freezing temperatures, which can affect:
Hull integrity
Engine and fuel system
Plumbing and heating systems
Insurance Implications: Winterizing your boat is essential to prevent damage. Some policies may require proof of winterization to honor a claim. Additionally, coverage for ice and freezing damage might be an add-on, so check your policy details.
Lightning Strikes
Lightning strikes, though less common, can be devastating, causing:
Electrical system damage
Fires
Structural damage
Insurance Implications: Damage from lightning is typically covered, but the policy might stipulate the use of lightning protection systems to mitigate risk.
Essential Marine Insurance Coverage
To navigate the risks posed by Canada’s diverse weather conditions, it’s vital to have the right marine insurance coverage. Here are key components to look for in your policy:
Hull and Machinery Insurance: This covers physical damage to your boat’s hull and machinery due to weather events or other accidents. Ensure this coverage includes not just the market value but also the replacement costs.
Protection and Indemnity (P&I) Insurance: This provides liability coverage for bodily injury and property damage to third parties. In the event of a weather-related incident, P&I insurance can protect you from significant financial liabilities.
Agreed Value Coverage: Unlike actual cash value policies, agreed value coverage ensures you receive a predetermined amount if your boat is declared a total loss. This can provide better protection against depreciation.
Tips for a Smooth Claims Process
In the unfortunate event of weather damage, understanding the claims process can help ensure a smooth resolution.
Document Everything
Take photos and videos of damage before any repair work begins.
Keep receipts for all repair and maintenance services.
Understand Your Policy
Review your policy regularly and understand your coverage limits and exclusions.
Keep updated on any policy changes or requirements, such as winterization clauses.
Work with a Trusted Broker
An experienced insurance broker can help navigate complex claims and ensure you have adequate coverage tailored to your specific needs.
Reach Out to Your Broker
Weather can be your boat’s biggest adversary, but with the right marine insurance coverage, you can weather the storm. As brokers, our goal is to help you understand and mitigate risks, ensuring you can enjoy your time on the water with peace of mind. Don’t hesitate to reach out to us for tailored advice and support.
When it comes to securing the right boat insurance in Canada, boat owners might find themselves pondering whether to go directly to an insurance company or through a brokerage. Understanding the key differences between these options can help you make an informed decision that suits your needs. This blog will outline the distinctions between boat insurance companies and boat insurance brokerages.
What is a Boat Insurance Company?
Boat insurance companies are entities that underwrite and sell insurance policies directly to consumers. These companies design their own insurance products and assume the financial risk associated with insuring boat owners. Here are some key characteristics:
Direct Underwriting: These companies create the policies and bear the risk associated with insurance claims.
Product Specificity: Boat insurance companies often have a range of products tailored to different types of boats and coverage needs.
Direct Customer Service: Policyholders deal directly with the insurance company’s customer service and claims departments.
What is a Boat Insurance Brokerage?
Boat insurance brokerages act as intermediaries between boat owners and insurance companies. They do not underwrite the policies themselves but instead facilitate the purchase of insurance from various providers. Here are some key characteristics:
Independence: Brokers are independent agents who work for the client, not for any particular insurance company.
Access to Multiple Insurers: Brokers can shop around on behalf of their clients to find the best coverage and rates from various insurance companies.
Personalized Service: Brokers often offer personalized advice and can tailor recommendations to meet the specific needs of individual boat owners[1].
Benefits of Boat Insurance Brokerages
Variety of Options: Since brokers have access to multiple insurers, they can provide a variety of coverage options and policy packages.
Client Advocacy: Brokers advocate on behalf of their clients in the event of a claim, often helping to navigate the complexities of the claims process.
Comprehensive Comparisons: Brokers can deliver comprehensive comparisons of policies from different insurers, allowing boat owners to make more informed decisions.
Choosing Between a Boat Insurance Company and a Brokerage
The choice between a boat insurance company and a brokerage largely depends on individual preferences and specific needs. Here are some considerations:
Coverage Needs: If you require specialized coverage or have specific insurance needs, a brokerage might be better equipped to find a policy that fits.
Cost: Brokerages can often find more competitive rates by comparing multiple providers.
Service Preferences: Some boat owners may prefer the direct relationship and streamlined service provided by a single insurer.
Conclusion
Understanding the differences between boat insurance companies and brokerages can greatly impact your insurance experience. Weighing the benefits of each can help you determine the best route to protect your boating investment effectively.
Since brokers are not tied to a single insurance company’s lineup of products, they can offer unbiased recommendations that align with your best interests. This is a stark contrast to insurance company representatives, who may be incentivized to sell their company’s own products. A broker’s primary aim is to find the best solution for you, which is a breath of fresh air for those prioritizing transparency and trust. As you prepare to enjoy Canada’s vast and beautiful waterways reach out to us for any help with boat insurance.
Boating is one of Canada’s beloved pastimes, offering endless opportunities to explore its stunning waterways. However, when it comes to boat insurance, there can be a lot of confusion and misinformation. Whether you’re an experienced sailor or a novice boat owner, understanding the facts about boat insurance is crucial. Let’s debunk some of the most common myths about Canadian boat insurance.
Myth 1: Homeowners Insurance Covers My Boat
The Reality:
While homeowners insurance might offer limited coverage for smaller boats, it often falls short in providing comprehensive protection. Typically, homeowners insurance covers damages to small boats but imposes coverage limits and exclusions. For larger boats, specialized boat insurance policies are necessary to ensure all potential risks are covered.
Myth 2: Boat Insurance is Too Expensive
The Reality:
Many boat owners are pleasantly surprised to learn that boat insurance is quite affordable. Premiums can vary based on factors such as the type and size of the boat, its value, and your boating experience. Shopping around and comparing quotes from different insurance providers can help you find a policy that fits your budget. Considering the potential costs of accidents or unforeseen events, the investment in boat insurance is minimal.
Myth 3: My Boat is Safe in Storage, So I Don’t Need Insurance
The Reality:
Even when your boat is in storage, it can still be subject to risks such as theft, vandalism, or damage from natural disasters. Comprehensive boat insurance can provide coverage for such situations, giving you peace of mind whether your boat is on the water or safely tucked away.
Myth 4: I Only Need Insurance During Boating Season
The Reality:
Accidents and damages aren’t confined to boating season. Year-round coverage is essential to protect your boat from off-season risks, such as weather-related damage, theft, or fire. Continuous coverage ensures that your investment is always protected, no matter the time of year.
Myth 5: Experienced Boaters Don’t Need Insurance
The Reality:
No matter how skilled you are, boating always involves some level of risk. Accidents can happen to even the most experienced sailors due to factors beyond their control, such as weather or other boaters’ actions. Boat insurance provides liability coverage to protect you in the event of property damage or injuries to others, ensuring that one unfortunate incident doesn’t lead to financial ruin.
Myth 6: All Boat Insurance Policies are the Same
The Reality:
Boat insurance policies can vary significantly in terms of coverage options and exclusions. It’s crucial to carefully review your policy and understand what is and isn’t covered. For example, some policies might not cover certain water sports activities, geographical areas, or specific types of damage. Customizing your policy to suit your needs is key to ensuring adequate protection.
Conclusion
Navigating the waters of boat insurance doesn’t have to be daunting. By debunking these common myths, you can make informed decisions about protecting your prized possession. Boat insurance is a vital part of responsible boat ownership, providing financial security and peace of mind whether you’re cruising on the open waters or your boat is safely stored away. Always consult with a knowledgeable insurance agent to find the best coverage tailored to your specific needs. Happy boating!
Boating offers a fantastic way to explore Canada’s scenic waterways, but ensuring that your vessel is adequately insured is crucial. While standard boat insurance policies provide a safety net for many boating-related risks, there are specific exclusions to be aware of. Understanding what is not covered can help you make more informed decisions and possibly consider additional coverage options.
Wear and Tear
Just like any other vehicle or piece of equipment, boats undergo wear and tear over time. Standard boat insurance policies do not cover damage resulting from the natural aging of your vessel. This includes issues like rust, corrosion, or mechanical breakdowns that may occur due to regular use.
Negligence
If your boat suffers damage because of your negligence, the insurance policy might not cover the costs. Negligence can include improper maintenance, failing to winterize the boat, or operating the vessel in a reckless manner.
Faulty Repairs
If your boat is damaged due to incorrect or low-quality repairs, a standard boat insurance policy will generally not cover these expenses. This exclusion underlines the importance of choosing reputable service providers for any boat repairs or maintenance.
Unauthorized Modifications
Modifying your boat without notifying your insurer can void your policy. Unauthorized modifications can lead to increased risks that your insurer has not accounted for, rendering your policy invalid in the event of damage or an accident.
Use Outside of Defined Navigation Limits
Boat insurance policies in Canada usually specify a geographic area (above the 40th parallel) where your boat is insured to operate. Sailing outside these defined navigation limits without additional coverage will typically void your policy and leave you uninsured.
Natural Wear of Upholstery and Canvas
Items such as upholstery, canvas, and other soft furnishings are vulnerable to environmental damage. Sun, saltwater, and general use can take a toll on these materials, and standard policies usually do not cover their natural deterioration.
Personal Belongings
Standard boat insurance often does not cover personal belongings such as clothing, electronics, and other personal items you take aboard. You might need separate coverage or an additional rider to protect these items.
Racing
Participating in competitive boat racing or engaging in high-speed water sports could void your standard boat insurance policy. These activities pose additional risks that typically require specialized insurance.
Unlicensed or Untrained Operators
Allowing unlicensed or inadequately trained individuals to operate your boat can result in a denial of coverage. Make sure anyone who operates your vessel meets the necessary licensing and training requirements.
Conclusion
Knowing what is not covered by standard boat insurance policies in Canada helps you mitigate financial risks and ensure a smoother boating experience. Always read your policy in detail and consult with your insurance broker to fill any gaps in coverage that might not be immediately apparent.
Feel free to contact us to discuss your specific needs and consider adding specialized coverage for risks that concern you the most. Safe boating!
As the glittering summer sun gives way to the blustery winter winds, it’s time to talk about boat insurance and lay-up period. Wondering what happens to boat insurance after your boat gets tucked away for the cold season? Let’s dive in!
The Winter Lay-Up Unwrapped
You know it’s time to lift the anchor on another boating season and prep your vessel for winter. Enter the lay-up period – essentially the boating world’s version of hibernation.
It’s a specific period, some insurance companies recognize, when your boat is out of the water and not being used. This is where the insurance magic happens.
Why Is It Important for Boat Insurance?
Okay, let’s break it down. Have you ever noticed that keeping your boat covered in the off-season can lower your insurance premiums? That’s the winter lay-up perk! When boats are out of the water and safely stored because it significantly reduces the risk of damage, theft, and liability. Insurance companies take this into consideration.
Imagine it like this: You wouldn’t leave your precious vintage car parked on the street in a blizzard, right? Just like that, storing your boat properly over winter reduces potential claims and, consequently, lowers your insurance costs. It’s a win-win situation – your boat gets the break it deserves, and your wallet gets to breathe a little easier.
What do you need to do during the lay-up period?
During the lay-up period, a boater has several important responsibilities to ensure their boat remains covered and in good condition. Here are some key responsibilities:
Properly Secure and Store the Boat: Boats must be taken out of the water and stored in a secure location to prevent damage from weather conditions and other risks. This is commonly known as winterization.
Notify the Insurance Company: You need to inform your insurance provider about the lay-up period. If the boat remains in the water or is used during this period, it may not be covered under the terms of the policy.
Maintain Insurance Coverage: Maintain insurance coverage throughout the lay-up period as policies often cover risks such as vandalism, theft, fire, and winter storms even during the off-season. Some insurers may offer premium discounts during the lay-up period.
Follow Policy Guidelines: Adhere to any specific guidelines laid out in your insurance policy regarding the lay-up period. This might include taking specific steps like removing valuable equipment or ensuring the boat is winterized correctly.
Ensure Proper Maintenance: Conduct routine maintenance checks and keep the boat in good condition to prevent damage over the lay-up period.
Reach out to us for a quote
Now that you’re in the know about winter lay-up and its impact on your boat insurance, why not sail smoothly into the next season with confidence? If you’ve got questions or need a quote to ensure your boat is covered all year round, reach out to us! We’re here to make sure your nautical ventures stay safe and sound, no matter the season.
As autumn begin to settle in it’s crucial to start thinking about getting your vessel ready for the winter, including taking your boat out of the water.
Whether you’re a seasoned boater or new to the scene, here are some key considerations to help you transition smoothly and protect your beloved watercraft until it’s time to hit the water again.
Check Boat Launch Schedules
But before you hitch up your boat and head to the launch, don’t forget to check the hours of operations of the launch and when it shuts down. Most boat launches have their hours posted online or even a quick phone call away. It’s a small step that saves a lot of disappointment.
You should also keep an eye out for seasonal changes or special notices that might affect accessibility. Being informed about the boat launch schedule allows for a smooth and enjoyable boating experience, free of last-minute hassles.
Winterizing Your Boat
Winterizing your boat is an essential step that protects it from the harsh effects of freezing temperatures and prevents costly repairs down the line.
Reach out to your marina to see if they offer any winterizing solutions. Many marinas provide comprehensive packages that include engine maintenance, interior preparation, and exterior protection.
Choosing a professional service can save time and provide peace of mind that your boat is ready to withstand winter’s challenges. However, if you plan on winterizing your boat yourself just make sure you’re familiar with the process.
Review Your Insurance Coverage
Don’t forget to verify if your current plan covers possibilities like damage during transport or vandalism while in storage. Ensuring you have the right winter coverage will give you peace of mind until the spring rolls around again.
Consult your insurance broker to ensure you have adequate protection during the winter months. You might want to adjust your policy if your boat will be stored and not in use until spring.
Winter Lay-Up Period
Understanding the lay-up period is crucial. The lay-up period is the period of time people typically don’t use their vessels. The insurance companies will take this into consideration when it comes to your premium. Not all companies have a lay-up period so its important to check if you have one.
Staying within these guidelines is important. Otherwise, you risk invalidating your insurance. If you’re uncertain about how the lay-up period affects your coverage, or if you need to make adjustments, consult with your insurance broker.
Need Expert Assistance? We’re Here to Help!
Remember, you don’t need to become an expert in insurance, that’s what we’re here for! If you don’t have insurance or unsure about what coverages you need, reach out to us.
We can provide a quote or help you understand your existing policy to ensure that everything is in perfect order for the winter months.
Boating isn’t just for people—our four-legged friends can enjoy the adventure too! Taking boating with pets can be a fantastic experience, but it requires extra preparation to ensure their safety and comfort. Here’s how to make sure your boating trips with pets are smooth sailing.
Preparing for the Voyage
Know Your Pet’s Limits
Not all pets are naturally inclined to enjoy boating. Before planning a trip, consider your pet’s temperament and health. Start with short trips to see how they handle being on the water.
Pack Essential Gear
Just like you have safety gear for yourself, your pet needs some too:
Life Jacket: Invest in a high-quality, pet-specific life jacket. It should fit snugly and have a handle on top for easy retrieval.
Safety Harness: Secure your pet with a harness or tether to prevent them from jumping or falling overboard.
Comfort Items: Bring along your pet’s favorite blanket or bed to make them feel at home.
Create a Safe Space
Designate a specific area on the boat for your pet where they can retreat if they get overwhelmed. This should be a comfortable, non-slip surface where they can relax.
Onboard Safety
Hydration and Nutrition: Ensure you have fresh water and food for your pet. Avoid feeding them a large meal right before departure to prevent seasickness. Small, frequent treats can be a good alternative.
Avoid Overheating: Boats can get hot, especially under direct sunlight. Make sure there’s a shaded area where your pet can cool off. Consider using a pet-friendly sunscreen if your pet has exposed skin or a short coat.
First Aid Kit: Prepare a pet-specific first aid kit. Include items like tweezers, antiseptic wipes, bandages, and any medications your pet might need. Familiarize yourself with basic pet first aid.
Common Concerns and Challenges
When boating with pets, it’s important to be aware of common concerns and challenges to ensure a safe and enjoyable experience. Here’s what you need to know to tackle these challenges effectively.
Seasickness
Just like people, pets can get seasick. Symptoms include drooling, lethargy, or vomiting. If your pet shows these signs, try to keep them calm and minimize their movement. Consult your vet before the trip for advice on managing seasickness.
Overboard Risks
Even with a life jacket, pets can still fall overboard. Ensure they’re always supervised and avoid sudden, erratic movements that could spook them. If they do fall in, stay calm and use the life jacket’s handle to pull them back on board.
Socialization and Training
A well-socialized pet is more likely to enjoy boating. Work on basic commands and gradually expose your pet to boating environments to ease their anxiety.
Enjoy the Journey
Boating with pets can create memorable experiences for both you and your furry friend. Just remember that their safety and comfort are paramount. By preparing properly and addressing potential challenges, you can ensure that your pet enjoys the boating experience as much as you do.
Ready to take your boating adventures to the next level? Whether you’re cruising with your pets or just out for a day on the water, make sure you’re covered with the right insurance.
Contact us today to discuss your marine insurance needs and get peace of mind for your next voyage!
Ever wonder why it feels like you’re navigating through a sea of chaos out there? It’s not just the waves—sometimes it’s the boaters who haven’t quite gotten the memo on boating etiquette.
Imagine the water as one big, floating party where everyone’s invited. To make sure you’re not the one everyone’s secretly hoping will leave, here’s a guide to boating etiquette. Think of it as your cheat sheet to being the most popular captain on the high seas. So, grab your life jacket, and let’s dive into the unwritten rules that’ll keep you cruising smoothly.
Boating etiquette 101
Respect the Right of Way
Respecting the right of way is fundamental to safe boating. Just like on the road, there are specific rules for who has priority on the water.
Powerboats must yield to sailboats and vessels that are manually propelled, such as kayaks and canoes. When approaching another powerboat head-on, you should pass on the right (starboard) side. If you’re overtaking another vessel, do so from their starboard side while maintaining a safe distance.
Clear communication is key—use your horn or lights to signal your intentions, particularly in busy or low-visibility conditions, to prevent misunderstandings.
Keep Your Distance
Maintaining a safe distance from other boats is crucial. This is especially important if you are on a jet ski, if you are following a boat to play in its wake give them ample space. Don’t follow the boat if they are towing anyone, whether it’s tubing, wakeboarding or wake surfing.
Not only does it help prevent collisions, but it also ensures that everyone has enough space to enjoy the water. Avoid creating wakes that could disturb other boaters, especially in crowded areas or near smaller vessels.
Anchor Considerately
When anchoring, make sure you’re not too close to other boats. Always anchor in designated areas and avoid obstructing navigation channels or popular fishing spots. Allow enough space for all boats to swing with the wind or current without the risk of collision. Be mindful of where you drop anchor to avoid blocking navigation channels or disturbing marine life.
Watch Your Wake
Managing your wake is another important aspect of boating etiquette. In no-wake zones, which are often located near marinas, docks, and swimming areas, it’s important to reduce your speed to avoid creating large wakes.
This not only helps prevent damage but also ensures the safety of swimmers and smaller boats. Be mindful of your wake’s impact on others, particularly when passing near boats that are at anchor or operating at slow speeds.
Help Out When You Can
Boating fosters a sense of community, and part of that is being willing to lend a hand when needed. Whether it’s helping someone dock, offering assistance in an emergency, or sharing local knowledge, it can make a big difference.
Small gestures, like assisting with lines or providing directions, contribute to a supportive and friendly boating community. If you notice a boat in distress or someone who might need aid, don’t hesitate to check if they require assistance.
Dispose of Waste Properly
Keep our waterways clean by disposing of trash and waste properly. Never throw trash or other waste overboard; instead, use designated disposal facilities or bring waste back to shore.
Following local regulations for handling and disposing of sewage and other pollutants is essential for maintaining the health of our marine environment.
By being mindful of your waste, you help keep the waters clean and safe for wildlife and future generations.
Be Mindful of Fishing Boats
Fishing boats, whether anchored or trolling, often have lines in the water that can extend some distance from the boat.
Fishing boats often have lines that extend well beyond their vessel, so give them a wide berth to avoid snagging lines or disturbing their catch. If you’re passing through a popular fishing area, proceed slowly and respectfully.
Be Patient and Courteous
Lastly, practice patience and courtesy at all times. A friendly wave, a smile, and a respectful attitude go a long way in creating a positive atmosphere on the water.
In busy marinas or popular boating spots, practice patience by waiting your turn and avoiding rushing or cutting in line at docks or ramps.
Maintaining a positive attitude and showing respect to fellow boaters contributes to a supportive boating community.
Protect Your Boating Experience
At Portside Marine Insurance, we believe that understanding and practicing good boating etiquette not only enhances your experience but also helps keep everyone safe.
If you have any questions about your marine insurance needs or want to ensure you’re fully covered while enjoying the water, give us a call.
Our team is here to help you navigate the ins and outs of boating insurance, so you can focus on what matters most—enjoying your time on the water.
As June begins, we know we aren’t the only ones eager to get out onto the water. However, there’s somethings to consider before you start boating again.
So, grab your captain’s hat and let’s dive into some essential information on water levels, lock ways and wildfires.
Monitoring Water Levels
Since transition from winter to spring often brings changes in water levels you will want to monitor them to avoid hazards, such as submerged obstacles and shallow areas
Keep in mind that even familiar routes can change with shifting water levels, especially shallow areas or when docking your boat. So, exercise caution when navigating your favorite waterways.
Navigating Locks
If you plan on crossing boat locks this summer its important to check their hours of operation, the cost (typically there’s a 1-way permit, 6-day permit and season permit) and if its under maintenance.
Don’t forget to plan your routes accordingly, factoring in the time it takes to pass through locks and any potential delays. Give yourself enough time to get through the lock before they close.
Additionally, stay updated on any temporary closures or changes in operation hours, which can impact your travel plans.
Wildfires and Boating
With last year’s record-breaking number of wildfires it’s important to know what to do if you are in an area close to an active wildfire. Here’s some quick tips:
Avoid getting close to waterbombers and other aircrafts that are fighting an active wildfire. They need plenty of space to scoop up water.
Check local advisories to see if there’s any restrictions (boating or otherwise). Stay informed on the current situation in your area.
Check the coverage on your boat’s trailer & have a back up plan on how to get your boat out of the water! Last year a lot of boat trailers burned while the boat was in the water and left people trying to figure out how of get their vessels out of the water at the end of the summer.
Before you go to put your boat in the water, take a moment to review your boat insurance coverage. Make sure that your insurance policy is up-to-date and gives you adequate protection for your boat, passengers, and liabilities.
Spring is an excellent time to reassess your insurance coverage needs and make any necessary adjustments.
From monitoring water levels to reviewing insurance coverage, we’re here to help you! So, whether you’re a weekend cruiser or a seasoned sailor, our team will provide guidance every step of the way. Contact us for a quote or more information.
