The best sailboat insurance you can have is a combination of the policy that you purchase and the preparedness you practice. Yes, you are going to need to purchase sailboat insurance before you head out onto the water, but it’s a backup, a failsafe, a last-resort protection. Staying safe on your sailboat in the first place depends on the following factors.
A good sailor knows the check the radar before embarkation. Whether you’re sailing to Bunce’s Pass or the Bermuda Triangle, understanding and identifying inclement weather patterns as much as possible is vital to the safety of you and your passengers.
The Coast Guard has provided a thorough one here. A good rule of sailing is to print this form out and have it at the ready. Check that all safety implements are on board and readily accessible. And give this checklist to someone who will be on the lookout if you do not arrive back at the docks on time.
Sailboats are required to carry certain equipment on board. All sailboats must contain a personal flotation device (PFD), a buoyant throwable device, a sound signal (this can be as simple as a whistle), navigational lights appropriate for use and a holding tank for any onboard toilet setup. You can view a thorough list of must-haves here.
Do you know the ramifications of being caught in a dangerous situation out on the water? An emergency positioning-indicating radio beacon (EPIRB) can turn a drastic moment into an escapable one. Please, consider purchasing an EPIRB. This lifesaving device pinpoints where you are on the water, allowing search and rescue to find your craft easily. Cell phones don’t always work offshore, as anyone who has tried in vain during a voyage will tell you. An EPIRB will.
Examples of rescues thanks to EPIRB use are many, and thanks to the beautiful waters we have here in the Tampa Bay area, these stories abound. For a clear case study answering the question Why do I need an EPIRB? One need only to read this brief report of a capsized boat in the Clearwater area.
A passenger was able to activate the EPIRB when the boat capsized. The two sailors were 14 miles from shore when the accident occurred. Without the EPIRB, the conclusion of the story would most likely not have been a happy ending. Read the story in its entirety here.
Before you unfurl those sails, captain, contact W3 Insurance to purchase your sailboat insurance. It will protect you against theft, storm damage, and other perils. Should an accident occur while you are at the helm, it also will offer peace of mind regarding liability concerns. Coupling sailboat insurance with the correct safety protocols, and you’ll be a shipshape captain indeed.
Need help selecting the right sailboat insurance for your vessel? Contact the specialists at W3 Insurance at 727-522-7777 or submit a quote request.
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