Boating Accidents Can Hamper Summer Fun

Before you set sail, you should know how to be safe on the waterways. In fact, it is estimated that more than 90 percent of people in North America who drown were occupants of small boats.

Boating accidents stem from a number of factors including traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules, carelessness and inexperience.

Before you head out on the water, it’s important to check if you have enough insurance to cover injuries, theft or damages to your boat. Your homeowners policy may only provide very limited coverage for theft and physical damages to your boat, its equipment, accessories, outboard motor or trailer. In addition, your homeowners policy may not extend to your boating activities depending on the size of your boat and the type of engine. Ask an us about an “endorsement” to your homeowners policy or a “package” policy to cover your watercraft.

An endorsement is a written form attached to the policy that alters its coverage, terms or conditions to fit your boating insurance needs. The summer season offers many outdoor activities and diverse recreational events. Make sure you’re protected from the sun and liability!