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Life preserver

Whenever a passenger comes aboard your boat, you assume a liability risk. You could always encounter hazards that put your passenger safety at risk.

For example, a collision with another boat might cause injuries to your passengers. Medical coverage on your boat insurance can help you compensate for injury costs to your passengers.

It is important that you do more than just enjoy the cruise. You have to be aware of the safety risks your passengers face. Proper safety precautions can make your excursion all the more enjoyable.

Before Departing

To ensure passengers’ safety, check the boat for potential risks before you hit the water.

  • Look over your vital systems for any signs of damage or corrosion. This should include checking the engine, oil, sails and pumps.
  • Inspect your lifesaving equipment before you leave. Make sure your life jackets still float and that all straps and latches hold. Check your life buoys and rafts for signs of damage. If any of these items are inflatable, check them for leaks.
  • Check seats, hand rails and steps for signs of damage that might lead to falls.
  • Before departing, give your passengers a thorough safety briefing. Show them how to use their life jackets. Instruct them in how to operate certain safety equipment, like rafts or fire extinguishers.

On the Water

Once under way, consider various mechanisms to keep passengers safe at all times.

  • Life jackets should be mandatory for all passengers. Even if the law doesn’t require you to wear a life jacket, doing so is still conducive to a safe excursion.
  • Assign a buddy system to the boat. Make sure everyone knows where all other passengers are at all times. That way, you might quickly notice if someone goes missing.
  • If the boat has seat belts, require the passengers to wear them while the boat is moving. You should always require your passengers to stay seated while the boat travels. If you decide to anchor or float the boat, you can allow passengers to move about.
  • Keep a first aid kit on the boat. It should include common equipment like bandages and disinfectants. Also consider including specialty items like thermal blankets and seasickness medication.
  • Enjoy the water responsibly. If you are the boat’s pilot, do not consume alcohol. Doing so could lead to criminal charges of boating while intoxicated. If another passenger decides to drink, make sure a responsible person stays with them.

With the right precautions, you can reduce insurance liabilities that passengers bring to a boat.

We have your coverage needs in mind. We can help you get the best rates on Dallas boat insurance. Call us at 800.342.4444 for more information right now.

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