Whether you’re enjoying a fishing trip with friends or exploring the waters with your family, being on a boat is a great way to make the most of your summer. However, while you’re out having fun, safety should always remain a top priority. Many boating accidents are preventable if a few extra precautions are taken, and with the right liability insurance coverage, you can reduce your financial risk if an unexpected event does occur. Here are a few safety practices to follow to help ensure your boating experience is as pleasant as possible. 

Boat Safety Checklist 

1. Do an Inspection Before Getting on Board 

Any time you’re planning to head out on the water, inspect your boat and make sure there aren’t any apparent problems that could lead to an accident or leave you stranded. Look for signs of a leak, make sure the lights are working, check for electrical issues, test the radio and other communication devices, and examine fuel levels. Most importantly, make sure you have all the appropriate safety gear on board in the event of an accident — including life jackets, a whistle, a flashlight, a fire extinguisher, reflectors, and a first aid kit.

2. Check the Forecast 

Never leave the dock without checking your local weather forecast. Even on warm, sunny days, the conditions can change quickly and become dangerous for boaters. Once you set out, watch closely for sudden shifts in the wind, choppy water, and darkening skies. These are signs a storm could be approaching, and you’ll want to return to shore as quickly as possible.

3. Be Aware of Your Surroundings 

Be mindful of other boaters and swimmers in the same area as you, and keep a safe distance. You should also make sure your wake is low when around others. Comply with all boating regulations established by local officials and follow the instructions posted on signs. Don’t drink alcohol while driving a boat, as impairment can deteriorate your cognitive judgment and affect your balance, coordination, and reaction time. 

4. Make Sure You’re Properly Insured 

Although it’s not legally required in North Carolina, you should carry boat insurance to protect your vessel and minimize your liability risk. With the right liability insurance coverage, you can avoid having to pay out of pocket for any injuries or property damage you cause while operating your vessel. If you purchase physical damage coverage, your policy will also cover repairs or replacement for your own watercraft if it is damaged or stolen.

If you want to protect your boat investment or need help reviewing your current liability coverage, contact Zimmerman Insurance Agency. As an independent broker, they can provide access to a wide range of personal insurance products from a number of reliable carriers to find you the best deal available. Based in High Point, NC, they have proudly served residents throughout the Piedmont Triad area for more than 55 years. Call (336) 883-6512 to request a quote, or visit them online to learn more about your personal insurance options.