Are You Prepared for Boating Season? How to Protect Your Vessel Before It Hits the Water
For yacht owners, recreational boaters, and charter operators alike, the spring season ushers in an exciting time—but also a critical one to ensure your vessel is seaworthy and your insurance is up to date. We work closely with marine clients to make sure their coverage aligns with their seasonal activity—and that starts before the boat ever leaves the dock.
Why Spring Prep Matters
April marks a significant uptick in recreational boating, fishing charters, and coastal events. With increased traffic on the water comes increased risk: mechanical issues, crew-related liabilities, or insurance claims that could be denied due to outdated paperwork or missed inspections.
Here’s how to make sure you’re covered and compliant before launching into the season:
1. Complete a Condition Survey
Many insurance policies require periodic condition surveys, especially for older vessels or those valued at higher amounts. A survey helps assess the vessel's seaworthiness and identifies any needed repairs. If your last survey is more than a few years old—or if you've made upgrades—now’s the time to schedule one.
2. Report Your Crew
Whether you're running a charter or a private operation, crew reporting is essential. Most marine insurance policies require up-to-date crew rosters. Failing to report crew changes can lead to denied claims if an incident occurs. Make sure your policy reflects current staffing—especially if you're hiring for the busy season.
3. Start a Daily Log or Inspection Checklist
One of the best ways to protect yourself as a boat owner or operator? Implementing a daily inspection log. Nate, a 27-year retired U.S. Coast Guard inspector and part of the B&N team, recommends a detailed pre-departure checklist to catch issues early and document that safety protocols are being followed.
A daily log can also serve as a valuable defense in the event of a claim—showing that you’ve exercised due diligence and adhered to industry best practices.
4. Check Your Maintenance Records
Insurers may request proof of regular maintenance in the event of a claim. Oil changes, hull cleanings, electrical checks, and safety gear replacements should all be tracked and recorded. If it hasn’t been logged, it didn’t happen (at least as far as your insurer is concerned).
5. Review Your Coverage
A lot can change in a year: new electronics, navigation systems, tenders, or changes in how you use your boat. Whether you’ve started chartering your vessel or just take it out more frequently, make sure your policy reflects your current needs. This includes revisiting:
Hull coverage limits
Navigation areas
Charter usage
Liability and pollution coverage
B&N’s Proactive Approach
What sets Brashears & Newendorp apart is our insider knowledge of the marine industry. With Nate’s Coast Guard expertise, we don’t just issue policies—we help clients stay compliant and avoid common pitfalls that can lead to claim denials.
Whether you’re gearing up for weekend cruises or a full charter season, we’ll help you prepare with confidence.
Have questions about your vessel’s readiness for the season?
Reach out to our marine insurance specialists and we’ll walk you through the steps to ensure smooth sailing this spring and beyond.