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Insurance Corner | Better Safe than Sorry
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Many boaters enjoy the solitude afforded when taking a boat out solo. However, a lone boater has fewer resources at his disposal, so take extra precautions when you go boating alone and follow the tips below to ensure a safer trip.

  1. Take a safety course: Those who boat alone should make safety a primary consideration. Boaters can prepare by taking a boating safety course, available through the U.S. Coast Guard Auxiliary, United States Power Squadrons and commercial providers. Check with your local boating or yacht club for scheduled classes too. Classes may vary from the traditional classroom to online. Boaters will also benefit from using a pre-departure safety checklist.
  2. Know where your safety equipment is located: Before heading out, make sure you have all required safety equipment on board and that you know the location of each item. Start here for specials on safety gear from In an emergency situation your time will be limited; knowing where each safety item is located could save your life. Also be sure to file a float plan with a trusted party.
  3. Dress for the weather: During the fall and winter months, it's essential for boaters to wear weather appropriate clothing. Even if it's warmer than the average fall day, the water will be much colder. Wear layers, socks, non-slip shoes and remember to bring a change of dry clothing in a waterproof bag. As always, but especially when boating alone, wear a life jacket. If you end up in the water, the buoyancy provided by your jacket may help you stay with the boat and even could allow you to get back aboard the boat. If you're unable to get back on the boat, it may help keep you alive until help arrives. Plus, the bright color makes you easier to spot in the water.
  4. Consider purchasing additional equipment: Consider purchasing a VHF radio equipped with digital selective calling (DSC,) it can save time in the event of a life-threatening situation. If you have one make sure to register it. Find your electronic needs here. The DSC radio sends an automated digital distress alert containing your Maritime Mobile Service Identity number and position just by pressing a button. Also consider purchasing an engine kill device. If you have an engine kill device, keep the lanyard connected to your person while underway.

NBOA Marine Insurance is a purveyor of value: quality, impeccable customer service and competitive insurance rates. We say it time and time again, at NBOA Marine Insurance our marine specialists are also boating enthusiasts. We have extensive knowledge of the water, and have made it a priority to educate the marine savvy on the many things we have gathered throughout the years. To learn more about NBOA, visit

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Disclaimer for Review Articles:
The information and articles provided in this newsletter and/or in any publications provided by are for general purposes only and intended to help you make better decisions about your boat and boating equipment. Such information is not intended to substitute for instructions from the manufacturer, dealer or marina about your specific boat or boating equipment and iboats specifically disclaims any liability for damage to your boat or equipment arising from your following suggestions in this newsletter. For more details about your equipment or application, we suggest you contact the manufacturer of your boat or other equipment.

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