Category Archives: Boat Insurance

9 Boating Safety Tips

boating safety tipsAs we enjoy the summer months, many of us also enjoy boating.  So we thought we would cover some basic boating safety tips.  We found some great information from that we think you will find valuable. Here are 9 tips to keep you safe while boating.


1. Be Weather-wise

Always check local weather conditions before departure- TV and radio forecasts can be a good source of information. If you notice darkening clouds, volatile and rough changing winds, or sudden drops in temperature, play it safe by getting off the water.

2. Follow a Departure Checklist

Proper boating safety means being prepared for any possibility on the water. From compliance with fire safety regulations to tips for fueling up, following a pre-departure checklist is the best way to make sure no boating safety rules or precautions have been forgotten.

3. Use Common Sense

One of the most important parts of boating safety is to use your common sense. This means operating at a safe speed at all times, especially in crowded areas. Be alert at all times, and steer clear of large vessels and watercraft that can be restricted in their ability to stop or turn. Also be respectful of buoys and other navigational aids, all of which have been placed there for one reason only- to ensure your own boating safety.

4. Designate an Assistant Skipper

Make sure more than only one person on board is familiar with all aspects of your boat’s handling, operations, and other boating safety tips. If the primary navigator is injured or incapacitated in any way, it’s important to make sure someone else can follow the proper boating safety rules to get everyone else back to shore.

5.Develop a Float Plan

Whether you choose to inform a family member or staff at your local marina, always be sure to let someone else know your float plan. This should include where you’re going and how long you’re going to be gone.

A float plan can include the following information: name, address, and phone number of trip leader; name and phone number of all passengers; boat type and registration information; trip itinerary; and types of communication and signal equipment onboard.

6.Make Proper Use of Lifejackets

Did you know that the majority of drowning victims are the result of boating accidents were found not to be wearing a Lifejacket? Make sure that your family and friends aren’t part of this statistic by assigning and fitting each member of your onboard team with a lifejacket-prior to departure.

7.Avoid Alcohol

Practice boating safety at all times by saving the alcohol for later. The probability of being involved in a boating accident doubles when alcohol is involved, and studies have also shown that the affect of alcohol is exacerbated by external effects such as sun and wind.

8.Learn to Swim

If you’re going to be in and around the water, proper boating safety means knowing how to swim. Local organizations such as the American Red Cross and others offer training for all ages and abilities- check to see what classes are offered in your area.

9.Take a Boating Course

Beginning boaters and experienced experts alike need be familiar with boating safety rules of operation. Boater education requirements vary by state- some require validated completion of at least one boating safety course. Regardless of your individual state’s requirements, it’s always important to be educated, aware and prepared for every circumstance that might arise. You can learn boating safety rules by taking a local community course, or there are online tutorials to help educate novice boaters.

These are all really good tips to keep in mind when you decide to head out on the water.  Remember to make sure you have the proper insurance for your boat thru Penny Hanley & Howley Insurance.

Protecting YOU is our Job

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CT Boat Insurance-Do have the right coverage?

phh insurance

Your boat is a symbol of success, a reward you’ve given yourself for all those years of hard work, now it’s time to play.  Don’t let anything get in the way of the good times you’ve earned. You need to make sure you have the right insurance coverage for your boat.

There are many options when getting the right coverage that will include, physical damage, liability coverage, personal property coverage and towing and assistance coverage. Additional coverage available including accessory coverage and agreed value hull coverage.

Physical Damage Coverage: provides protection in the event of a collision with a submerged object or another boat.

Liability Coverage: for bodily injury or damage to the property of others.

Personal Property Coverage: protects personal property on the boat including such items as your clothing, stereo system, cameras, fishing equipment and other personal items.

Towing and Assistance Coverage: to transport your boat to a repair facility when it’s inoperable and you’re stranded.  Emergency services such as gas delivery for boats and roadside assistance are also available.

For all your Boat insurance needs Penny Hanley & Howley Insurance can assist you.

Protecting YOU is our Job

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Marine Insurance CT

Owning a boat is a cherished dream of many Americans who spend year after year saving every penny to one day make that purchase. Unfortunately, that dream can quickly turn into a nightmare when buyers learn that they can’t get boat insurance through traditional channels. To make sure you’re not denied the proper coverage required, follow these steps to ensure proper coverage protection.

1. If your boat is in poor condition, it can be very difficult to insure. Perform regular repair and maintenance for a chance of getting a great policy lined up.

2. Boating violations are the same as motor vehicle violations, so make sure you don’t get too many tickets too often or you’ll be taken as a liability and not be insured.

3. Size matters. If your boat size is too big, some insurance companies might not insure it because of the cost. You may have to seek insurance through companies that specialize in large boats and yachts.

4. BUI. Same concept as DUI. If you have one on your record, your insurance might  be more expensive than its normal price.

5. Driving record. Underwriters of insurance policies take many different factors under consideration when writing a policy and one of the things they look at is the driving record. If you have a bad driving record with multiple claims, it can cause an insurance company to drop a client in a heartbeat. Boats are generally very expensive and insurance companies don’t gamble with their investments so make sure you have a clean record.

6. Speed Boats. These fast paced machines are difficult to insure through major companies so you may find yourself paying a high premium for specialized high risk insurance on your beauty ride.

7. Inadequate Number of Life Jackets. Part of the underwriting inspection for your boat is making sure that there are an adequate number of life jackets on board, typically one for every seat or unit of capacity. Failure to provide these at the time of your inspection will probably only hold up the process, but non-compliance will almost always result in the policy not being written at all.

It’s important to remember that boat insurance isn’t that much different from car insurance, and that the laws that govern the water are just as important as those that apply on land. Reducing claims, fines and violations will not only save you money and insure that you obtain coverage, but can also keep you and your loved ones safe.