Thanks to a growing awareness of boating safety, boat accidents have been on a decline. But accidents, no matter, how statistically less they may be than previously, are never a good thing. That’s why all boaters should never overlook their boat insurance needs while diligently brushing up on safety protocol.

Related: tips on protecting your skin while on the boat

Three Quick Rules of Thumb about Boating

1. The Importance of Proper Life Jackets
   The National Coast Guard reminds boaters that everyone on the boat – even pets – should wear a well-fitting life jacket at all times when on the water. It’s also essential to wear the kind of life jacket that is designed for the corresponding boat activity. For instance, the standard vest type are manufactured for those boating in calmer in-land water  and those with extra buoyancy and floatability are tailored for rough waters, while water skiers, and other boat-sport activists need life jackets geared for that.
   
   
2. Additional Safety Equipment.
   It’s vital that you keep primary safety equipment on board when boating. This includes a fire extinguisher, a VHF radio, an emergency position-indicating radio beacon, an anchor, signal lights and an installed carbon monoxide detector (for boats with enclosed space).
   
   
3. Good Boating Habits  
   Make periodic inspections to check if your boat system, gear and safety equipment are up to par and fix or replace as necessary. Never go above the recommend speed limits. Do not operate your boat while under the influence of alcohol . Keep your focus on safety. Last but not least, be considerate of other boaters.
   

   
   

   
   

   

   
   
   PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!
   
   

Summary: Prime Insurance focuses on three important safety rules of thumb for boaters.