Planning Your Outdoor Venue
Summer is the perfect time to host your event outdoors. These events bring with them their own inherent risks. Here are a…Read More
The Missouri State Highway Patrol reported most boating incidents occurred on the weekend between 4:00-8:00 pm. As we might image, these are certainly popular times to be on the water. While you are enjoying the sun and the breeze, we want to make sure you are covered!
The size, type, and value of the craft and the water in which you use it factor into what type of insurance you need and how much you will pay for insurance coverage. As with any insurance policy, make sure you understand exactly what perils are covered and what your policy limits are.
Typical boat insurance policies cover physical damage to the boat itself. They also cover property damage, theft, and medical payments, each with different deductibles. Your insurer may offer additional, optional coverage for trailers and boat accessories.
Boat insurance policies generally provide broader liability protection than a homeowner’s policy. However, depending on the assets that are at risk, boat owners may also consider purchasing an umbrella liability policy, which will provide additional protection for their boat, home, and car.
There are thousands of recreational boating accidents per year, which can be costly in injuries and damages. Contributing factors to boating disasters include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, carelessness and inexperience.
The best way to ensure your years of accident- and claims-free experience is to follow boating safety practices.
Make sure you and your watercraft are covered this boating season and make some waves!