When you take your pleasure boat out for a day of fun, you will likely have friends or family with you. As you prepare to head out onto the water, recognize that there are risks associated with boating. All these people face a risk of injury when they are on your boat.
If someone gets hurt, then the proper boating insurance can help you. Most boating insurance comes with various degrees of liability coverage. Liability coverage can help you in case someone is accidentally injured on the boat. This coverage can often provide the injured with some financial help.
As a boat owner, do everything you can to reduce injury risks. If an insurance company finds you negligent in reducing risks, then it may deny your claims.
Keep in mind these tips to make your boating experience safer:
- There could be a fire risk on your craft. Make sure that you keep fire retardants and extinguishers on hand.
- Have first aid equipment on hand. If someone does get hurt, speedy intervention can reduce the severity of the injury.
- Entertain responsibly if you are going to consume alcohol on the boat. Recognize that there are consequences for boating under the influence. Many states have laws regarding intoxicated boating. If a passenger drinks too much, monitor this passenger to make sure he or she doesn’t take any safety risks. Don't pilot the boat if you aren't sober.
- Don’t add construction to the boat unless it is safe to do so. You can often buy approved add-ons for the boat. These may be things like slides, fishing equipment or seating. However, don’t try to construct these yourself.
- Monitor your engines and other vital systems. If you receive warning signals, return to shore expediently
- If severe weather threatens, make for shore immediately.
- Only allow experts to pilot the boat.
- Secure the boat when stopping. Turn off steering systems. Drop your anchor and tie up your moorings. This can keep the boat stationary and reduce the risk of falls.
- Give all guests a safety crash course. Show them how to use life jackets, and tell them when they should not move about the boat.
The safer you are, the better chance you have of boat insurance honoring your claim.
Furthermore, know when boating insurance covers passengers and visitors, and when it doesn’t. Insurance may cover passengers when they are physically on your boat. But, it may not help them when they are on a raft, the dock or jet skis.
Voyager Insurance Services can help you cover many potential injury risks on your boat. Visit our website to request a fast boat liability insurance quote. Give us a call today at (800) 342-4444.