Owning a boat can bring a lot of joy and fun into your life. However, it is also important to remember that boats can be dangerous when safety is not considered. Your insurance partners here at B & G Insurance want to help you keep yourself and your guests safe on your boat. Keep reading to learn more about boat safety in Miami, FL, and the surrounding areas.  

Life Jackets Are a Must

Your first line of defense in protecting yourself and your guests is always to provide proper life jackets for everyone on board. Some boat owners attempt to cut this corner because they do not wish to invest in quality life jackets for everyone. This is definitely a mistake. The liability risks you take by not providing proper life jackets far outweigh the investment cost. 

Proper First Aid 

As a boat owner, it is your responsibility to provide a fully stocked and up-to-date first aid kit on your boat. When you take any guest on your boat, you take on the responsibility for their safety. If someone is injured in any way on your boat, you are the liable party. You can decrease your risks of liabilities by having the proper first aid supplies in place. 

In addition to this, it is also important that you have basic first aid training as well. This will ensure that you can assist with injuries should they occur and keep an injured guest stable until you get them proper medical treatment. 

Drinking and Boating

Just like regular vehicles, a boat needs a driver that is 100% alert. It is difficult to properly drive a boat if you are intoxicated. There should always be a reliable designated driver on your boat. 

If you want to learn more about boat insurance, please get in touch with us at B & G Insurance, serving Miami, FL, and the surrounding areas. 

Living in the Miami, FL area continues to be a dream for many people. When you live here, there is great weather and a lot of recreational activities. One activity that most will enjoy is going out on the open water in their boat. If you are looking to purchase a boat in this city, you will want to know that you are adequately insured. A boat insurance plan is helpful and can protect you in various ways. 

Cover Your Boat

An important reason to have a boat insurance plan is so you can cover your boat. Protecting your asset and investment is very important if you are a boat owner. A great way to do this is with insurance that includes a full comprehensive plan. This will specifically mitigate many risks resulting in a loss for you and your boat.

Reduce Liability Risk

You should also get boat insurance to reduce your liability risks. There will always be a chance that you will cause an accident, even if you are a skilled boat operator and are careful. Due to this, you will want to know that you are prepared if an accident does occur. Boat insurance offers the liability coverage that you need.  

There are a lot of advantages that will come with having a boat insurance plan in the Miami, FL area. When you are looking to get a boat here, starting your search with the B & G Insurance team is a good option. There continue to be various decisions that come with picking boat insurance and B & G Insurance can make the insurance process simpler for you. They can take a personalized approach that will ensure you remain appropriately covered at all times. 

B & G Insurance is proud to be a part of the greater Miami, FL community. We offer a full range of insurance options to protect your life and lifestyle. Boaters especially have a variety of different options when it comes to protecting their vessels. 

Options available to Miami area boat owners

Below are a few of the options that are available and should be considered when selecting a boat insurance policy. While a basic policy may “get the job done” it will likely have some protection gaps which is why comprehensive policies are typically the preferred option. An experienced, registered agent will be able to review all options and assist in the selection process.

• Protect your passengers — if an incident occurs that causes injury to yourself or your passengers, you will want liability protection.
• Coverage for theft or damage — vandalism or theft can leave you with a financial loss that may not be covered by a basic policy. 
• Getting your vessel to the water — trailering your vessel exposes you to risk. With a comprehensive policy, you can opt for coverage for your boat, wherever it may be. There are also policy protections available for marina and dry dock storage. 

Whether you are looking to insure a new boat or want to upgrade your current policy, now is a great time to review all of the available options!

Let’s talk boat insurance!

If you are a boat owner in Miami, we are here to help. B & G Insurance has proudly served the Miami, FL area, and we look forward to working with you, too. Call or stop by today and learn more about the many boat insurance policy options that are available in our area.

Living in the Miami, FL area is a dream that many people have. When you live in this area of Florida, you are going to have access to many amazing activities. One activity that you can enjoy almost all year is going out on a boat. If you do purchase a boat in this area of Florida, it is vital that you consider your insurance needs. There are several situations when boat insurance will be required for you.

Lender Requirement

One situation when you need to have both insurances in this area is if you have a loan on your boat. Buying a boat can be a huge expense. Because of this, many people decide to take out a loan to finance the purchase. If you choose to do this, you are going to be required to comply with the lender’s requirements. This will generally include requiring you to get a full boat insurance policy.

Local Requirements

You may also need to have a boat insurance policy based on where you will be using your boat. If you plan on using certain marinas or private waterways, there is a good chance that you will need to have boat insurance. When you have this coverage, you will receive coverage for liability. This will provide assurances to all other people in the area that you can pay for damages if you cause an accident in a certain area.

When you purchase a boat in Miami, FL, it is essential that you speak with B & G Insurance about your insurance needs. When you speak with these professionals, B & G Insurance can help to explain why you need to get insurance for your watercraft. We can also help you find a policy that will give the right coverage for your lifestyle. 

Living in the Miami, FL area is a dream that many people have. When you live in this area of Florida, you are going to have access to many amazing activities. One activity that you can enjoy almost all year is going out on a boat. If you do purchase a boat in this area of Florida, it is vital that you consider your insurance needs. There are several situations when boat insurance will be required for you.

Lender Requirement

One situation when you need to have both insurances in this area is if you have a loan on your boat. Buying a boat can be a huge expense. Because of this, many people decide to take out a loan to finance the purchase. If you choose to do this, you are going to be required to comply with the lender’s requirements. This will generally include requiring you to get a full boat insurance policy.

Local Requirements

You may also need to have a boat insurance policy based on where you will be using your boat. If you plan on using certain marinas or private waterways, there is a good chance that you will need to have boat insurance. When you have this coverage, you will receive coverage for liability. This will provide assurances to all other people in the area that you can pay for damages if you cause an accident in a certain area.

When you purchase a boat in Miami, FL, it is essential that you speak with B & G Insurance about your insurance needs. When you speak with these professionals, B & G Insurance can help to explain why you need to get insurance for your watercraft. We can also help you find a policy that will give the right coverage for your lifestyle. 

At B & G Insurance, our agents understand that many people may not realize the extent of their liability when it comes to their boats and other types of watercraft. Residents who live in the Miami, FL area and spend time boating need to understand what they will be responsible for if an accident occurs.

You’re Responsible

If you are boating and an accident occurs, you may be held responsible for both property damage or injuries if any are sustained by passengers in your boat or someone else’s boat. Just like in an auto accident, if you are at fault in any way, you will be liable for any damages or injuries incurred by others who are impacted by the accident.

Financial Loss

If you are involved in any type of boating accident where damage or injuries are caused, you could face devastating financial loss if you do not have the right type of insurance in place. Most states now require watercraft insurance if you plan on registering your boat or jet ski. The liability you incur could result in personal injury lawsuits if you do not have any type of liability insurance in place at the time of the accident.

In Miami, FL, the agents at B & G Insurance are ready to assist you if you have questions concerning boat liability or other types of watercraft coverage. The agents can review any existing policy you have in place and can help you get the coverage you need to remain financially secure at all times. Call and schedule your appointment with one of our agents at your earliest convenience!

 

At B & G Insurance, our agents understand that many people may not realize the extent of their liability when it comes to their boats and other types of watercraft. Residents who live in the Miami, FL area and spend time boating need to understand what they will be responsible for if an accident occurs.

You’re Responsible

If you are boating and an accident occurs, you may be held responsible for both property damage or injuries if any are sustained by passengers in your boat or someone else’s boat. Just like in an auto accident, if you are at fault in any way, you will be liable for any damages or injuries incurred by others who are impacted by the accident.

Financial Loss

If you are involved in any type of boating accident where damage or injuries are caused, you could face devastating financial loss if you do not have the right type of insurance in place. Most states now require watercraft insurance if you plan on registering your boat or jet ski. The liability you incur could result in personal injury lawsuits if you do not have any type of liability insurance in place at the time of the accident.

In Miami, FL, the agents at B & G Insurance are ready to assist you if you have questions concerning boat liability or other types of watercraft coverage. The agents can review any existing policy you have in place and can help you get the coverage you need to remain financially secure at all times. Call and schedule your appointment with one of our agents at your earliest convenience!