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If you have a boat, you want to spend your time on the water relaxing and enjoying fun with your friends and family. No one wants anything to go wrong.

Whenever you hit the water, there is always a chance that someone could get hurt or sick on your boat. Injuries and illness are no fun for the affected person. They also pose a risk to you, in many more ways than just interrupting social plans.

Medical emergencies might arise from boat accidents or from occurrences on your own craft. In the event of medical incidents, you instantly face an insurance risk. Therefore, as the owner of a boat, you have to see to the immediate safety of all injured parties.

Boat Insurance for Injuries

When you buy a boat insurance policy, it likely covers injuries in a couple of different ways.

Check your boat insurance policy to see if it includes medical payments coverage. Medical payments coverage can help you if you or your passengers sustain injuries or illness while on the boat. Coverage might help you pay for medical costs, emergency services and rehab, if needed.

Furthermore, your insurance liability coverage may help you in the event that your boating causes illness or injuries to others. Liability coverage usually extends to people other boats, and those on land. However, it can sometimes extend to your own passengers as well. If someone sustains injuries in an accident, this coverage may help them.

Preventing Medical Risks on Your Boat

Medical emergencies can strike at any time on your boat. Therefore, keep these tips in mind to best reduce risks that may cause injuries.

  • The best way to prevent wrecks is to learn how to properly operate a boat. Make sure you and your crew follow all operating rules for your boat and the local water laws.
  • Keep adequate first-aid equipment on your boat. This may include a first aid kit containing emergency supplies, medications, disinfectants and bandages.
  • Make sure your lifesaving equipment works properly. Require life jackets for all your passengers. If someone goes overboard or becomes distressed in the water, quick action can save lives.
  • Have proper land contact to immediately alert authorities in case emergency transport needs to respond to your boat.
  • If a passenger complains of illness, assess the situation, and make the decision to return to land. It is always best to return a sick passenger to shore than to continue to sail.

We’ve got you covered. If you need Dallas boat insurance, contact us at 800.342.4444.

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