People Buy Boat Insurance but Don’t Wear Life Jackets

Oct 8, 2013 | Blog Post | 0 comments

life jacketsEvery boater knows that safety is of the utmost importance. It is necessary not only to protect the lives and wellbeing of those on board the boat, but also to protect the owner’s investment in the boat and equipment itself. As such, responsible vessel owners purchase boat insurance to provide financial protection against injury and damage, and also insist that their passengers follow basic safety rules while on board. Despite these factors, however, a staggering number of individuals participate in boating and other water sports without wearing their life jackets.

According to the United States Coast Guard, as many as 85 percent of drowning victims of recreational boating accidents in 2012 were not wearing proper USCG approved life vests. It’s possible that the vast majority of all drowning could have been prevented, had owners and passengers simply followed safety rules in regard to boating and life jackets. Here are some things that you need to know in order to keep yourself and your passenger’s safe while out on the water:

US Coast Guard requirements state that each boat must have a USCG-approved Type I, II, III, or V life jacket for each person on board. In addition, boats over 16 feet in length are required to carry one Type IV throwable rescue device. In order to be effective, a life jacket must be worn at all times and be fitted to the passenger. Children should not wear adult life jackets. Boat owners should test each life jacket once a year to ensure that it is buoyant and in good working condition.

If life jackets are not worn at all times while on a boat, they should be stored in an easily accessible location. This will allow passengers to access and don their life jackets in a moment’s notice in the event of an accident or capsize. Life jackets should be stored under a boat’s seats, or in a dedicated life jacket box. They should not be kept in closed compartments or in bags, and they should not be stored with other equipment, as doing so will impact their accessibility.

Each state has its own laws regarding life jackets, especially in regard to minor passengers. In order to ensure that your boat insurance is valid and that all passengers on board are safe, take the time to review your state’s specific life jacket laws and follow the laws every time you are on the water.

0 Comments

Submit a Comment

Your email address will not be published. Required fields are marked *

Recent Articles

Boat Insurance Coverage & Water Sports Towing Tips

How to Pull Skiers Safely Boat insurance coverage protects you against liability but knowing how to pull skiers safely can greatly reduce your risk of injury for those in the boat, being towed and on nearby boats. To do your best to ensure that everyone has a fun safe...

Stray Electric Current Hazards

Stray Electric Current Hazards

Lethal stray electric current is a common risk that marina operators, boat builders, and yacht clubs need to take steps to prevent. Even with precautions, there is always some level of risk. Boaters need to be aware of potentially dangerous areas and be especially...

Boat & Yacht Sea Trials

Boat & Yacht Sea Trials

If you are seriously considering buying a boat or yacht, our yacht insurance specialists strongly recommend you take it for a sea trial first.  Why? Seeing a yacht where it's docked or in a showroom is not the same as understanding performance. A sea trial is a...

Maritime Workers Insurance Coverage

Maritime Workers Insurance Coverage

If you employ marine workers, it can be challenging to figure out what insurance you should invest in to ensure adequate coverage. There are two federal statutes governing compensation for marine injury claims: The Division of Longshore and Harbor Workers'...

If Someone is Thrown Overboard

If Someone is Thrown Overboard

What do you do if you or someone else falls overboard? As boat insurance professionals, we know this happens more frequently than many realize.  If you quickly search the news, you'll see that before Christmas, a cruise ship passenger fell overboard and...

Call Now Button