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boatHaving commercial boat insurance is an important step you can take to keep your business safe. 

Often, the misconception is this type of policy needs to focus just on the boat itself. However, protecting your dock and other assets is just as important. 

When the season ends and it is time to store your boat, you need to consider the method you will use. Even when your boat is in storage, whether dry dock or other storage, there are risks. The right commercial boat insurance cuts the risk of financial loss as a result of an incident.

Storing Your Boat and Insuring It

There are instances in which you will need to use dock storage. This depends on the size, type and location of your boat. 

This may mean that your boat remains in the water or just out of it. It may remain exposed to the elements. And, you may find that the boat is at risk of theft, vandalism, and weather-related damage. 

This risk can be expensive to a business owner. You need to be sure your boat remains protected. Therefore, you can get back on track without worrying repair costs when the new season starts.

How can a commercial boat insurance plan help you in cases of storage? Choosing the right policy is important. 

Here are a few things to consider when buying this type of policy:

  • Ensure the policy you select covers the specific type of storage needed. The policy should not include any exclusions for weather exposure.
  • Make sure the policy value provides comprehensive coverage for the boat. Comprehensive coverage should be in place even during storage periods. This includes property insurance and liability coverage. Accidents can be significant during this time, creating a liability risk.
  • Select a commercial boat insurance plan designed for all risks. Some risks include fire, theft, vandalism, weather exposure and more.

Storing your boat is necessary. Leaving it unprotected from risks during the storage period is neither acceptable nor necessary. 

With the right commercial boat insurance plan, you can store the boat safely. Protected storage helps you know you can ramp up business again without financial loss. 

File claims for damage as soon as noticed. Perhaps most importantly, invest in a comprehensive plan that protects all of your risks.

Voyager Insurance Services can help you understand how storage impacts your commercial policy. We offer a variety of online tools to help you choose a policy that is right for you. If you have additional questions, call us at (800) 262-8990.

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Bernard Clyde said...
I didnt realize there were so many things to consider when storing a boat - like if I need dock storage. Insuring a boat in storage should be considered just as you would consider insuring a vehicle. I appreciate the information about knowing what type of insurance will cover the specific type of storage.
TUESDAY, JANUARY 24 2017 1:54 PM

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