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Boat Safety

from PLC Insurance

by Michelle Ferris on Jun 02, 2015

Don’t Let an Accident Sink Your Fun

When boating season comes around, get on the water with confidence. Keep yourself and your family safe with our boating safety tips.

If You Own a Boat, Get Boat Insurance

Some people assume their home insurance policy includes boat insurance. Not true.

Typically, home insurance policies have limited coverage for boats and may not cover injuries or accidents while you’re on the water. To make sure you’re covered for boat injuries, theft and damage, get a boat insurance quote with PLC Insurance.

Tune-ups Aren't Just For Cars

When you’re out on the water, make sure that:

  • Your gas tanks are vented
  • Bulges are free of vapors, oil, waste and grease
  • You carry a fire extinguisher and keep it charged

Have your boat’s operating systems checked at least once a year by a certified marine technician. The Coast Guard Auxiliary and United States Power Squadrons also offer free vessel safety checks.

Experience Matters

8 out of 10 boating fatalities occur with untrained captains at the wheel. Experts say that most boating accidents could be prevented by an experienced driver. Make sure anyone who drives your boat is properly trained.

With some of our companies, you can also save up to 15 percent on your boat insurance quote by completing a safety course with the Coast Guard Auxiliary or U.S. Power Squadrons.

Life Preservers Aren’t Just for Kids

Hundreds of people drown in boating accidents every year – and almost none of them were wearing a life jacket. It’s not enough to just have life jackets on board – you must wear them. In an accident, people rarely have time to reach for a life jacket. This rule applies for adults, too: More people in their 30's die in boating accidents than any other age group. New lighter, more comfortable and attractive life jackets are available today, making it even easier to get passengers to suit up.

Carbon Monoxide Kills in Minutes

A typical boat engine puts out as much carbon monoxide as 188 automobiles – and passengers exposed to high levels can pass out within minutes. Turn off your engine when there are people in the water and don’t let passengers “ski” by holding onto the back of the boat.

You can also install a carbon monoxide detector for your boat for less than $100. For detailed safety information, see Safeco’s Safe Boat Guide and Water Safety Guide.


© 2019, PLC Insurance. The reader assumes all responsibilities for his/her own actions in regards to any items discussed in this report. Adherence to all applicable laws and regulations, federal, state and local, governing the use of any product or service described in this report in the US or any other jurisdiction is the sole responsibility of the reader. The publisher and author assume no responsibility or liability whatsoever on the behalf of the reader of these materials. The reader is encouraged to consult directly with his/her insurance professional.

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