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boats in dockEvery time you step into your boat, you know there’s no telling how much you will catch, what you will catch, or how your business will handle the turnout.

The fishing industry is complex. It is especially so for those small businesses that offer a unique product or a very local supply. When the day goes well and you catch the product you need, you’re happy.

However, something can go wrong. You may find yourself struggling if, for some reason, you lose your fish inventory.

Coverage for Commercial Boat Insurance

Commercial boat insurance is a customized type of insurance designed to help protect your boat as it relates to your business. This type of business insurance provides support for instances that range widely. But, it usually includes risks associated with operating your business.

Most people consider commercial boat insurance to be a tool to protect the boat itself. It does do that. However, it is also a form of business insurance.

For example, if you have an accident, your insurance will likely cover some or all the damage to the boat. But, that incident may not have just damaged your boat. It may have caused spoilage of your fish. Or, you may have lost that inventory in total as a result of the boat being a total loss.

Like with property insurance, your commercial boat insurance will probably help to cover the loss of any equipment, fish, or other product on board that is a part of your business activities.

Getting the Right Insurance in Place

It is important to go over the details of your plan with your business insurance agent. You should make sure your coverage is representative of the type of operation your run. You will also need the right amount of coverage on your boat. This may include a higher amount of protection for your equipment and inventory.

Your insurance agent can work with you to ensure your policy reflects the type of boat you own, the value of your boat and all accessories on board. The agent can also help you cover the value of your inventory.

Be proactive and ensure you have a proper policy in place. Don’t assume you have enough coverage for the type of operation you have.

Our company can provide you with more information about commercial boat insurance. If you have questions about insuring your commercial operation, call us today at (972) 712-8000.

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