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COMMERCIAL BOATER NEEDS & COVERAGES

Posted On: July 14, 2017

What Type of Coverage Does a Commercial Boat Need?

Although many types of coverage are provided by a commercial boat insurance policy, there are two primary or basic coverages that should always be considered:

  • Liability coverage: Often called protection and indemnity coverage, it provides coverage for legal obligations to third parties. Your legal liability typically arises from bodily injury, loss of life, or damage to another's vessel or other property as a result of operation of your vessel. The liability coverage is also available for defense costs if an action is brought against you or your business.
  • Hull coverage: This part of a commercial boat policy pays for physical damage to your vessel and is best purchased on an all-risk basis, which means that if the cause of the loss is not excluded under the policy, it will be covered. The coverage will provide protection for the hull, attached equipment, and unattached equipment and belongings. It's important to note, however, that the owner is responsible for maintaining the vessel, which means normal wear and tear is typically excluded.

Along with the basic coverages available for your commercial boat insurance, there are additional coverages that should be considered as well:

  • Vessel disposal and pollution liability: Typically, when a vessel sinks offshore or in a waterway, the owner is responsible for removing or disposing of the wreckage, especially if there are any materials aboard that may be considered hazardous. You and your business may also be held responsible for clean-up expenses that result from oil pollution or contamination. This coverage provides liability to pay for these expenses up to the limits you select when purchasing the policy.
  • Medical payments coverage: Owners should also consider an appropriate amount of medical payments coverage that will pay for medical expenses for third parties who are injured on your vessel, whether you are found liable or not. This coverage pays on a per person basis rather than per accident. You should also determine whether this coverage is available for persons boarding or leaving the vessel and for water-skiers if needed.
  • Maritime coverage: This is a type of employer’s liability protection for the vessel owner for injury to the crew of any commercial boat. It responds to liabilities imposed by the “Jones Act,” the federal law that applies the common law of the seas to ship owners.
  • Uninsured boater coverage: Liability coverage is not mandatory for some commercial vessels and most personal ones. This means that you and your passengers are at risk for injury expenses resulting from an accident with an uninsured boater. By selecting uninsured boater coverage on your commercial boat insurance, you can make a claim for your own injuries or those of your passengers against your own insurance policy.

 

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HIDDEN YACHT DESTINATIONS TO EXPLORE

Posted On: July 10, 2017

The United States boasts countless islands for yachting. There are numerous islands to add to your bucket list.

Yachting in the islands is the perfect combination of relaxation, adventure, and beauty in one package.

Just be sure you have the right yacht insurance for travel, especially out of state or across international boundaries.

Key West, Florida has long been a favorite destination of America’s top political figures and celebrities as well as families, young professionals, and diving enthusiasts drawn by its famous coral reefs. This subtropical paradise, the most southern destination in Florida, has stunning landscapes, important cultural and conservation sites, sightseeing and water sports, world-class dining, and a flourishing nightlife.

Hilton Head, South Carolina is the go-to island destination on the east coast for anyone who enjoys outdoor sports and activities. The championship golf courses here are legendary, bringing visitors from around the world to try these rolling fairways. Tennis and polo are other popular pursuits, plus all the water sports you’d expect in a place with seemingly endless beaches. Exploring the Sea Pines Forest Preserve and the Harbor Town Lighthouse are excursions popular with travelers of all ages.

The Thousand Islands in New York State are an explorer’s dream. There are ample opportunities to stop at historic sites and charming towns and cities along this seaway, all of which cater to nautical tourists. If you bring your passports, you can also venture over to the Canadian side where you’ll find Boldt Castle and Fort Henry. The scenery on either side of the border is idyllic – just make certain your yacht insurance coverage includes international travel

The San Juan Islands are a gem tucked along America’s west coast not too far from Seattle, WA. Expect a casual, slow pace here as you meander through the 172 named islands in the county of San Juan. If you’re looking for land-based fun or dining check out San Juan, Orcas, Lopez, or Shaw islands, which are the four largest. Enjoy the temperate climate and be watchful for seals, whales, and orcas in the Pacific Ocean.

Maui, the Hawaiian island voted the best island destination by the readership of Conde Nast Traveler for nearly two decades, is truly a natural wonder. Its unique landscape includes pristine beaches, the sacred Iao Valley, and the awe-inspiring bamboo forest and waterfalls in Haleakala National Park. Add to this the opportunities for outdoor activities, fine dining, a vibrant arts community, and quaint shops and you can see why Maui is a perennial favorite.

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BOAT THEFT ON THE RISE

Posted On: July 07, 2017

According to Boat Owners Association of The United States (BoatUS) report , crime rings are responsible for stealing boats, Yamaha outboard engines, Garmin electronics, and other expensive navigation units along the East Coast’s I-95 corridor and they have now moved across the country. Largely striking boat dealerships and boat-storage facilities, the thieves are getting the attention of a new intelligence working group made up of local, state and federal law enforcement officials as well as certified marine investigators who urge recreational boaters to be vigilant.

One Virginia marina recently reported six 600-pound engines stolen, with dealerships in upstate New York and Texas hit in similar fashion, according to a June 2 report in Soundings Trade Only Today.

Working-group member Daniel Rutherford, claims director for Maritime Program Group, a leading marina and boatyard specialty insurance program company said, “They are professional. They know what they are doing and get in and out quickly leaving very little damage.”

What can boat owners and boating facilities do to prevent thefts?

 It’s hard to stop a determined thief, but here’s some tips from BoatUS :

  1. Take a look at your boat storage area. Is it lit at night? Does it have motion-operated lighting or audible alarms? How difficult is it to gain entry? Is there one or multiple ways to enter? Does it have an effective, fully operating video-surveillance system? Does the storage facility have signage advising that license plates are being recorded and property is under 24-hour surveillance?
  2. Slow a thief down. Are helm electronics locked behind a solid instrument cover? Use tamper-resistant fasteners for mounting electronics and outboard locking devices. Using a special nut with an engine-mounting bolt that requires a special key can help.
  3. Make stealing expensive electronics less appealing by engraving and posting a warning (this goes for the outboard, too). Create and keep at home an engine and electronics inventory list that includes manufacturer and serial number, and take plenty of pictures – including the boat.
  4. Be wary of suspicious questions. In most of the boat dealership theft cases, a suspect posed as a boat shopper on the day before the theft occurred. For boat owners, loose lips sink ships. Boaters should remain cautious to questions from strangers wanting to know more about access. Get to know your dockside neighbors so you can more readily recognize suspicious activity and people who don't belong.
  5. Consider adding a boat tracking device that can sound an early alarm if something’s amiss.
  6. Yamaha outboard engine owners may want to investigate Yamaha Customer Outboard Protection, or Y-COP. Y-COP is available with the manufacturer’s Command Link (CL) and Command Link Plus (CLP) systems.
  7. Help get the word out. If you are a victim of theft, ask your local law enforcement to share the information on the National Crime Information Center (NCIC), a computerized database of documented criminal-justice information available to virtually every law-enforcement agency in the U.S. or add to state crime-tracking databases.
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THE STAR SPANGLED BANNER

Posted On: July 03, 2017

Remembering how we got the Star Spangled Banner 

The Defense Of Baltimore

After Washington, D.C. was burned by the British, the British headed for Baltimore, home to pro-war fervor, innovative clipper-ship builders, and privateers responsible for capturing more than 500 British merchant ships. Long expecting an attack, Baltimoreans had fortified land approaches to the city with earthworks, guns, and cannons. Lieutenant Colonel George Armistead and his troops readied Fort McHenry, which protected Baltimore's harbor, for a naval assault.

Early on September 11, lookouts spotted 50 British warships approaching Baltimore. The British were preparing a two-pronged attack that would unfold over the next three days. Ships anchored just out of range of Fort McHenry's guns would pound the fort with cannons, mortars, and rockets. Another force would land at North Point to take Baltimore. On September 12, those troops met fierce resistance. The British commander was killed, and facing American defenders numbering 10,000 strong, his troops later withdrew.

The bombardment of Fort McHenry fared little better for the British. Armistead flew an enormous flag with 15 stripes and 15 stars above the fort. As long as it swayed in the wind, no one doubted that Fort McHenry remained in American hands. Anchored not far away were Americans detained by the British, among them Francis Scott Key. They watched the bombardment all day, heartened at the site of the large flag above the fort. Then nightfall came and with it suspense: Would the flag be flying in the morning? At daybreak, Key not only saw the stars and stripes still flying above the fort, but the British weighing anchor. The city of Baltimore remained free. Key was so moved he wrote a poem on "The Defense of Fort McHenry," and our national anthem was born.

The Star-Spangled Banner National Historic Trail links historic sites important to the Battle of Baltimore and the Chesapeake campaign. Among them are North Point State Park and the star-spangled buoy that marks the spot where Francis Scott Key spent the night at anchor, just north of the Key Bridge. Boat ramps at Turner Station Park and Southwest Area Park offer access to the Patapsco River. Marinas in Baltimore's Inner Harbor, Fells Point, and Canton provide transient dockage. Water taxi service is available to Fort McHenry.

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SURVIVING LIGHTNING

Posted On: June 30, 2017


We have all heard and seen more than our fair share of headlines involving lightning.

Boating magazine had an excellent article on “Surviving Lightning Strikes While Boating.”

We thought a lot of it was worth sharing, so we’ve excerpted the article here.

Powerful, dangerous, highly unpredictable — all are common descriptions of lightning. A direct strike that results only in ringing ears and a few roasted electronics would be considered lucky. Unlucky would be through-hulls blown out, a sunk boat or worse — possibly serious injury or death. While the odds of a boat being struck by lightning are only about one out of 1,000 boats in any given year, the dire consequences of a strike call for some techniques and strategies to avoid disaster:

Timing

A strategy of boating only on sunny, cloudless days may work well in places like Idaho and California, but that would mean almost never using the boat in places such as Florida, Louisiana and much of New England where storms boil up and move in quickly on hot summer days. Boaters should track VHF, Internet and television weather reports and make responsible decisions about whether to go boating depending on the likelihood of storms. Short-term forecasts can actually be fairly good at predicting bigger storms, but small, localized storms might not be reported. This is when knowing how to read the weather yourself can come in handy.

Lightning strikes typically occur in the afternoon. A towering buildup of puffy, cotton-white clouds that rise to the customary flat “anvil” top is a good indication to clear the water and seek shelter — or move out of the storm’s path if possible. That’s if the storm is at least somewhat off in the distance (most storms are about 15 miles in diameter and can build to dangerous levels in fewer than 30 minutes). If lightning and thunder are present, just count the seconds between the lightning and corresponding thunder and then divide by 5 — this will provide a rough estimate of how many miles away the storm is.

A storm that builds directly overhead might be less obvious until those pretty white clouds that were providing some nice shade moments ago turn a threatening hue of gray as rain dumps on you and the wind starts to howl or, worse yet, boom with thunder and lightning that are right on top of each other. Now is the time for a mad dash to the dock and shelter if close by. Like the National Weather Service says: “When thunder roars, go indoors!” If out on open water or too far from shore and shelter, it’s time to hunker down and ride it out.

Caught

Even though getting caught in a storm is not always avoidable, there’s still plenty that boaters can do to minimize the chance of a strike and lessen injury and damage if there is a strike.
We all learn in grade school that lightning seeks the highest point, and on the water that’s the top of the boat — typically a mast, antenna, Bimini top, fishing rod in a vertical rod holder or even the tallest person in an open boat. If possible, find a protected area out of the wind and drop anchor. If the boat has an enclosed cabin, people should be directed to go inside and stay well away from metal objects, electrical outlets and appliances (it’s a good idea to don life jackets too). Side flashes can jump from metal objects to other objects — even bodies — as they seek a path to water. Lowering antennas, towers, fishing rods and outriggers is also advised, unless they’re part of a designated lightning-protection system. Some boaters also like to disconnect the connections and power leads to their antennas and other electronics, which are often damaged or destroyed during a strike or near strike.

Under no circumstances should the VHF radio be used during an electrical storm unless it’s an emergency (handhelds are OK). Also, be careful not to grab two metal objects, like a metal steering wheel and metal railing — that can be a deadly spot to be if there’s a strike. Some boaters opt to steer with a wooden spoon and keep their other hand in a pocket if forced to man the helm during a storm, while others like to wear rubber gloves for insulation.

An open boat like a runabout is the most dangerous to human life, since you are the highest point and most likely to get hit if the boat is struck. If shore is out of reach, the advice is to drop anchor, remove all metal jewelry, put on life jackets and get low in the center of the boat. Definitely stay out of the water and stow the fishing rods. If all goes well, the storm will blow past or rain itself out in 20 to 30 minutes. It’s best to wait at least 30 minutes until after the last clap of thunder to resume activities.

Hit

Knowing what to do in a storm and having the best lightning-protection system installed on the boat is by no means a guarantee that lightning won’t strike. The immediate checklist for a direct hit is very short:

1. Check for unconscious or injured persons first. If they’re moving and breathing, they’ll likely be OK. Immediately begin CPR on unconscious victims if a pulse and/or breathing is absent — there’s no danger of being shocked by someone just struck by lightning.

2. In the meantime, have someone check the bilges for water. It’s rare, but lightning can blow out a transducer or through-hull — or even just blow a hole in the boat. Plug the hole, get the bilge pumps running, work the bail bucket or whatever it takes to stay afloat. An emergency call on the VHF is warranted if the situation is dire. If the radio is toast, break out the flare kit.

If there are no injuries and no holes or major leaks below, just continue to wait it out. Once the danger has passed, check the operation of the engine and all electronics. Even a near strike can fry electronics and an engine’s electronic control unit, cutting off navigation, communication and even propulsion. Some boaters stash charged handheld VHF and GPS units and a spare engine ECU in the microwave or a tin box for this very reason. These makeshift Faraday cages have saved equipment.

Obvious damage will need to be assessed and set right. Even those lucky enough to come away completely unscathed with no apparent damage should have a professional survey done just to be sure. Minor damage to through-hulls can result in slow leaks, and all manner of electrical wackiness can emerge — sometimes much later. It’s best to catch these issues right away and get that information to the insurance folks for coverage.

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WATCH FOR THESE SIGNS IN THE HEAT

Posted On: June 26, 2017

Keep these signs of heat exhaustion in mind this summer to avoid health hazards

As the temperatures rise, they pose a threat to people who are unaware of heat exhaustion. Heat exhaustion is a condition that occurs when your body overheats, causing a variety of symptoms. As you and your family enjoy the summertime heat, it is important to remember these causes, symptoms and treatments of heat exhaustion to avoid a potentially life-threatening situation.

Causes

When the temperature rises in the summer, the body is made to cool itself in a variety of ways. The body’s main method of self-cooling is through sweating. As sweat evaporates, it allows your body temperature to stay regulated; when sweat production is unable to cool the body down enough, heat exhaustion sets in.

Heat exhaustion is typically seen in people exercising strenuously in hot weather. According to the Mayo Clinic, it can also be caused by dehydration, which reduces the amount of sweat that can be produced; alcohol use, which affects the body’s ability to change its temperature; and wearing too many clothes.

Symptoms

Symptoms of heat exhaustion can occur quickly or can develop overtime, depending on what is causing the heat exhaustion. Typically, though, the symptoms are easy to catch if the person is aware of what heat exhaustion is. The symptoms of heat exhaustion typically consist of the following:

Moist, cool skin with goose bumps
Faintness or dizziness
Heavy sweating
Fatigue
Weak, rapid pulse
Nausea or vomiting
Muscle cramps
Headache
If the person suffering from heat exhaustion has a high body temperature above 103°F, call 911 immediately. This high temperature means that the person is past the stage of heat exhaustion and is suffering from a heat stroke, which can be life threatening.

Treatments

The first step to treating someone with heat exhaustion is to call a doctor or medical professional. As the CDC points out, heat exhaustion can sometimes lead to the much more severe heat stroke illness, which is considered a medical emergency. It is important to have a medical professional determine whether or not the victim of heat exhaustion is in danger of developing heat stroke.

Once a doctor determines that the person is not developing heat stroke and is instead suffering from heat exhaustion, then move the person to a cooler location. This can be into an air-conditioned building or simply into the shade. Once there, apply cool, wet cloths to the person’s body and have them sip water. If vomiting occurs, seek medical attention immediately.

Heat exhaustion is easily preventable if you know the signs. Make sure to remember these warning signs of heat exhaustion as your family enjoys the summer weather. It can be a lifesaver.

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HOW TO REPORT A BOATING ACCIDENT

Posted On: June 23, 2017


HOW TO REPORT A BOATING ACCIDENT


No one can detail everything but here's a fairly comprehensive guide of steps to take if you get in an accident on the water.

Reporting a boating accident is not just the right thing to do, it is a requirement. Make sure you know the right procedures for reporting a boating accident.

 

While no one wants to think about having a boating accident, it does occur. The requirements for reporting an accident vary from state to state, but there are some basic rules of thumb that can help you figure out whether you have had an accident that should be reported. If you have, not reporting a boating accident is a criminal offense.

 

Some Guidelines for Reporting a Boating Accident

Once a boating accident has occurred, it is the responsibility of the boat operator to file a report on the incident. A written report must be made to the state agency that covers boating, the U.S. Coast Guard, or both, depending on the situation. If a passenger died within 24 hours after the accident or if someone involved in the accident required medical assistance beyond first aid, the report must be filed within 48 hours. If there was only damage to the boat and/or other property, the report must be filed within 10 days of the accident. Not filing a report is a crime.

What Information is Required?

A number of specific details are required when filling out a Boating Accident Report (BAR), including the name of the boat operator and where the accident occurred. Detailed information about the boat and information on all passengers, reported losses including injuries, loss of life, and property damages must be gathered to put on the report.. In addition, a summary of the incident is required, including date, time, place, people involved, and a description of the accident

Who is Responsible?

Reporting a boating accident begins the process of finding out who is legally responsible and therefore liable for the damages caused by the accident. In some cases, no one is at fault. In others, however, this is not the case. A person is responsible for the accident if they acted negligently. This is usually judged by whether or not they behaved as a reasonable boater would have in similar circumstances. If they did not follow all safety rules and precautions, then a jury may find them liable.

Penalties for Boating Accidents

 If a person is judged liable for a boating accident, they may have civil liability, criminal liability, or both. The liable party may be sued for medical expenses, wrongful death, property damages, or other losses. In addition, the state can bring criminal charges if the boater was boating under the influence (BUI). The operator may also be criminally liable if he or she was operating the boat recklessly or with gross negligence. These charges can result in large fines and/or jail time if the boater is convicted.

Boating Accident Attorneys

If you have been involved in a boating accident, it is a good idea to consult a boating accident attorney. These attorneys are personal injury attorneys who specialize in boating accidents and maritime law. They can advise on how to determine compensation for damages or losses. It is best to avoid making statements or signing anything related to an accident, particularly admissions of guilt, until after consulting a qualified attorney. This helps to protect your legal rights.

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FREEDOM DAY JUNE 19

Posted On: June 19, 2017

JUNE 19

Freedom Day, is a holiday that commemorates the June 19, 1865 announcement of the abolition of slavery in Texas, and more generally the emancipation of African-American slaves throughout the Confederate South.

From 1890 to 1908, Texas and all former Confederate states passed new constitutions or amendments that effectively disenfranchised blacks, excluding them from the political process. White-dominated state legislatures passed Jim Crow laws imposing second-class status. The Great Depression forced many blacks off farms and into the cities to find work. In these urban environments, African Americans had difficulty taking the day off to celebrate.

From 1940 through 1970, in the second wave of the Great Migration, more than 5 million blacks left Texas, Louisiana and other parts of the South for the North and West Coast, where jobs were available in the defense industry for World War II

By the 1950s and 1960s, the Civil Rights Movement focused the attention of African-American youth on the struggle for racial equality and the future. But, many linked these struggles to the historical struggles of their ancestors.

Since the 1980s and 1990s, the holiday has been more widely celebrated.  By 2008, nearly half of US states observed the holiday as a ceremonial observance.  As of May 2016, when the Maryland legislature approved official recognition of the holiday, 45 of the 50 U.S. states and the District of Columbia have recognized June 19 as either a state holiday or ceremonial holiday, a day of observance.States that do not recognize it are Hawaii, Montana, New Hampshire, North Dakota and South Dakota

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