| If you are out on the water, then you are there to | | | | boat, or while boarding it or disembarking. |
| relax. There is nothing like boating to blow your cares | | | | Don't forget to check to make sure that your trailer |
| away and allow you to get a little closer to absolute | | | | is also covered by your boat insurance policy, since |
| bliss. Unfortunately, there is nothing like a boating | | | | damage to your trailer can be both expensive and |
| accident to bring all of those worries and cares to | | | | extremely inconvenient. Loss of the trailer should also |
| the forefront of your mind, and add to them as well. | | | | be covered, as it does no one any good on the |
| Boating insurance is supposed to make your time on | | | | bottom of the lake, damaged or not. |
| the water less stressful and any accidents that you | | | | If you own a shipyard or use your boat for business |
| might suffer less impactful on your life. | | | | purposes, then any non-crewmen working on your |
| A good boating insurance policy covers liability, | | | | boat are covered as well. This includes mechanics, |
| collision, and damage by vandalism. The coverage | | | | carpenters or painters and cleaners who are working |
| itself will vary with the type of watercraft that you | | | | on your boat. If any of these people sustains injury, |
| own and operate, but all of the policies are intended | | | | then their medical expenses are covered by your |
| to help you get underway without fear. | | | | boating policy. Crewmen injured aboard your boat |
| Protection of your boat usually covers damage to | | | | should be covered under the federal Longshore and |
| the hull, sails, machinery, furniture, and most other | | | | Harbor Workers' Compensation Act. |
| equipment that is used in the normal operation of | | | | If you are a believer in the saying "better safe than |
| your boat. If your docking procedure is short a buoy | | | | sorry", then you will probably be interested in insuring |
| or two and your hull is a casualty, your insurance | | | | your boat against the little extras that might come |
| company will cover the damages. | | | | along. Extra insurance can be purchased to insure |
| Your insurance company should also cover the | | | | your boat against uninsured boaters who might |
| damages to the dock itself resulting from you collision | | | | damage your watercraft. |
| with it, or to any other boats that you may have | | | | If you are an avid fisher, or if you like to bring a few |
| collided with. Most policies also cover vandalism to | | | | little extras along with you on long boating trips, then |
| your boat, malicious mischief, and often even | | | | you might want to find a policy that will allow you |
| damages resulting from latent defects of | | | | coverage of these things. With many policies, you |
| workmanship. | | | | can add coverage to insure your personal property, |
| Your boat insurance policy should also cover liability | | | | and even your fishing equipment against damage or |
| losses (like that dock that you bumped earlier) as | | | | loss. |
| well as bodily injury or death of another person as a | | | | Boating is supposed to be relaxing. Having your boat |
| result of your negligent operation of the boat. The | | | | and your gear properly insured will help you to leave |
| insurance policy will also cover your guests or family's | | | | the cares of life behind you as you sail into the |
| medical expenses if they are injured while on your | | | | sunset. |