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Category Archives: Boating Insurance

Securing Your Boat During a Hurricane

Whether you’re near the eye of the storm or not, understanding how to secure your boat in the event of a hurricane is imperative. Make sure you stay protected with a New York Boat Insurance policy and ensure your investment is hurricane-ready. According to an article in Boating, here are a few tips to protect your boat from a hurricane. Staying afloat is essential. A storm-engineered floating dock system can survive category 4 hurricanes. Make sure you are in protected waters because you never know when mild rains can turn canals into rivers. Consider hurricane-rated dry storage facilities and other boatyards that will offer contracts to store your boats during the storm season. Make sure you to anticipate at least one cleat because piling or line will fall. Give each line a mate running in the same direction but attach them to different places on the boat and the dock. Set your anchor across the marina and pull the rode right with the windlass. Consider renting a trailer out or an empty warehouse big enough for your boats. This can save you money in damage from debris and other more serious damages. Get the boat close to a strong building and avoid trees, power poles and construction sites. Place blocks beneath the trailer frame and deflate tires. Avoid open anchorages because of hurricane holes. If you’re using a fixed lift, lower it two feet and tie the boat as if it were on a slip, then raise the lift and put tension on the lines. Secure boat on the lift. At AJ Benet, we make sure that your New York Boat Insurance policy includes more than the simple general liability and product liability. Our policies extend to all types of boat owners and covers injury, harm or damage. Our team of experts are willing to go the extra mile and not only protect your boat, but understand it. For more information, call us today at 888.639.4560.

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What You Need to Know About Westchester County Yacht Insurance

What You Need to Know About Westchester County Yacht Insurance While it may still be a crisp 40 degrees here in Mamaroneck, nonetheless it’s spring! With the promise of warmer weather, it’s time to start thinking about your sunny vacation plans. Boat sales have risen ten percent this year, in the first significant boost since the recession, and yachts are a large part of that picture. But owning a yacht also exposes you to some unique exposures. Here are some tips to watch out for to make sure you have the proper coverage for your vessel. Consequential damage. This applies when a yacht is disabled due to engine failure and suffers resulting hull damage. Although it is covered in most policies as a result of a storm or other event, it may not be if it is a “consequence” of mechanical failure. Parts Depreciation. As your boat ages, the parts can lose value, and most insurers will cover only the depreciated value of the part, not the full cost of replacing it. Navigation zone restrictions. Where you are, or where you plan on boating could affect your policy. Many policies are written based on navigation zones. They may be as narrow as the Florida Keys. And it may mean that a boater insured for the Bay Area in California may not be covered for damage that occurs in Mexico’s Pacific coast. So, as a boater, it is wise to check out any geographic limitations ahead of time. Experience. Of course, as a boat owner, experience always matters. Where you travel, how many years you’ve been boating for, and your type of boat can all affect your Westchester County Yacht Insurance policy. Whether you are docked in the marina at Stamford, garaged at your house in Rye, or cruising the Long Island Sound, your boat needs its own special type of insurance. A.J. Benet, Inc. knows that not all boat owners and their requirements are the same. Our staff strives to learn your particular habits and help you find insurance that addresses your personal risks. Contact us today for more information about our Westchester County Yacht Insurance coverage. Source: P&C 360

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Connecticut Boating Insurance: Nautical Safety Tips

Connecticut Boating Insurance: Nautical Safety Tips June gloom has finally worn off- as the glorious New York summer emerges, you’re itching to get your vessel out on the water. Before you dive head first into boating, take a moment to refresh your boating safety tips, courtesy of the United States Coast Guard and Connecticut Boating Insurance Above all, wearing a life jacket is still the most important step boaters can take to ensure their safety on the water. Boating fatalities jumped 12.8% in 2011 and are now at the highest level since 1998, according to the U.S. Coast Guard’s report 2011 Recreational Boating Statistics. Last year, 533 of the 758 boating fatalities resulted from drowning. Of those, 84% were not wearing a life jacket. Develop a Float Plan. A float plan is essential whether you are manning a luxury yacht, 90 foot sport-fishing vessel, or just cruising in a flat-bottom skiff. Typically, the Skipper of the vessel is the individual who prepares the Float Plan, but any member can complete it. A Float Plan is a written statement that logs the details of an intended voyage, with the vessel, equipment, crew, and itinerary; it is left with a person who is remaining onshore. Click here to download a free Float Plan form There are also many boating safety courses offered throughout the country for all types of recreational boaters. The U.S. coast Guard Auxiliary, U.S. Power Squadron, and many state boating agencies offer classis covering many aspects of boating safety from boat handling to reading the weather, and operational and safety instruction. Of course, you always hope that you won’t ever be involved in a boating accident. However, in the chance that you are, you want to make sure to get the best coverage possible for you and your family. A.J. Benet’s insurance specialists would like the chance to help you evaluate your boating risks and needs. We provide Connecticut Boat Insurance to boat owners from Manhattan to Westchester County in New York, Fairfield County in Connecticut and New Jersey. We invite you to request a courtesy quote at your convenience by calling us at (888) 639-4560

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