Anchors Aweigh: How to set sail safer on the water this summer

Ah, summertime! For many boating enthusiasts, it’s the best time of year to set sail and enjoy the allure of the fresh, open waters. The feeling of the wind in your hair, the sun on your face, and the sound of water lapping against the hull can be incredibly liberating—and that’s probably why many of us have been basking in more recreational boating activities!

According to a study by the National Marine Manufacturers Association, the recreational boating industry saw a 36% increase in economic activity over the past five years. This trend is expected to continue as more people discover the joys of being on the water, connecting with nature, and making memories.

However, with the summer months and 85 million people expected to hit the water, you don’t want any of your summer trips to turn into dangerous situations. That’s why now, while May is National Water Safety Month and the week of May 17-23 is Safe Boating Week, it’s the perfect time to batten down the hatches and become better prepared for a safe summer on the water!

Before you cast off, recognize your risks.

While boating can be both a thrilling and relaxing experience, it’s important to recognize all the risks you may face when you take the helm and anchor up. Here are some of the most common dangers that boaters could face:

• Drowning is the leading cause of death in boating accidents. According to the U.S. Coast Guard, 75% of boating deaths are drownings, of which 87% of those victims were not wearing a life vest because two-thirds considered themselves good swimmers. Every year, about 4,000 people, many of whom are children under the age of 14, die from drowning in lakes, oceans, and pools.
• Boating accidents and collisions may occur due to various factors, including operator inattention, excessive speed, and navigating in crowded waters. In 2023, there were 3,844 boating incidents, resulting in 2,126 reported injuries, 564 deaths, and property damage costing approximately $63 million.
• Severe weather and storms during the summer months could develop quickly, leading to dangerous conditions on the water. Lightning, high winds, and heavy rain may pose serious threats to your safety.
• Intoxicated boating, like driving a car, is illegal and dangerous. More than 1,000 Americans die annually from drowning while under the influence of alcohol. One in three of all boating injuries occurred with boat operators over the age of 35, with 17% attributed to alcohol.
• Inexperience causes many boating accidents. With summertime comes increased traffic, along with a rise in inexperienced boaters. 

Secure the ropes with appropriate insurance.

Like car insurance, having the right boat and recreational vehicle insurance could protect you from financial loss related to an accident. Many auto insurance providers also cover recreational vehicles. When choosing a policy, you may consider factors such as the type of boat you own, how often you use it, and where you typically go boating. Here are a few additional coverages to consider:

• Physical Damage Coverage: This type of coverage may protect your boat from damage due to accidents, theft, or vandalism. Depending on your policy, it may cover the costs of repairs or replacement.
• Personal Injury Coverage: In the event of an accident, this coverage, also known as Medical Payments Coverage, could help cover medical expenses for you and your passengers, regardless of who is at fault.
• Liability Coverage: Liability insurance protects you if you’re found responsible for causing injury or damage to another person or their property while boating. This coverage is particularly valuable in crowded waters, where the risk of collisions is higher.
• Uninsured/Underinsured Boater Coverage: If you’re involved in an accident with a boater who doesn’t have insurance or has insufficient coverage, this type of insurance could help protect you from financial loss.

Once you have insurance, review your policy annually to ensure it continues to meet your changing needs.

For larger yachts, similar types of coverage apply; however, you may also want to consider additional factors, such as higher liability limits, coverage for crew members, and specialized equipment or amenities unique to larger vessels. For more detailed insights and insurance specific to yachts, request a copy of the Yacht Risk & Resiliency Report.

Toe the line with federal and state regulations.

According to the U.S. Coast Guard, if you are the boat operator, you are expected to make sure your vessel carries the required safety equipment (Federal Carriage Requirement) and complies with federal and state regulations, including numbering, incident reporting, and operations. This Boater’s Guide to the Federal Requirements for Recreational Boats contains important information about federal laws and equipment carriage requirements. It’s important you understand that federal equipment requirements are minimum standards and do not guarantee the safety of your vessel or passengers.

Additionally, a federal law was enacted in 2021, requiring boat captains to wear an engine cut-off lanyard (or fob) while operating their vessels. This safety measure is designed to prevent accidents by allowing the engine to be shut off immediately if the operator falls overboard or becomes incapacitated. The law aims to enhance boating safety and reduce the number of water-related accidents. Furthermore, you may need to comply with additional regulations and specific state laws where your boat is registered or operated.

Each state may also have its own regulations regarding life jackets, but most experts typically recommend having a life jacket for each passenger. To ensure compliance with your state and local boating laws, check with the boating agency for your area. It’s also important that you understand the different navigational aids—the rules of the waterways —and what they mean. For example, how to navigate by the colors, shapes, numbers, and lights you will encounter on the water, as well as right-of-way rules, speeds on waterways, no-wake areas, and encounters with other boats. 

Stay safe during a “swim call” and other water-related activities.

Boating on open waters, including lakes, oceans, and rivers, often leads to additional recreational activities such as swimming, waterskiing, wakeboarding, jet skiing, and tubing. While operators of recreational vehicles generally follow the same safe boating practices and navigational aids, being in these waters could expose you to a risk you may not be prepared for: getting sick from contaminated water.

According to the Environmental Protection Agency (EPA), approximately 3.5 million people become ill or contract infections from open cuts or other sores each year after swimming in natural water bodies contaminated with harmful bacteria and pollution. On average, after swimming in a natural water source like a lake or a coastal beach, you may have an estimated 3% to 8% chance of getting sick.

Before you jump in, the Centers for Disease Control and Prevention (CDC) recommends checking online resources for that area to determine if the water is currently monitored, under an advisory, or has been closed due to health or safety reasons. Also, be sure to cover open cuts or wounds with waterproof bandages to protect them from infection.

Fair winds and following seas with these risk mitigation tips

To ensure a safe and enjoyable experience on the water this summer, the National Safe Boating Council recommends keeping these tips in mind:

Wear a life jacket. Always ensure that everyone on board has a properly fitted, U.S. Coast Guard-approved life jacket that is appropriate for the water activity. 

Have a float plan. Make sure to inform others who are not accompanying you, such as family members, neighbors, or friends, about your boating plans. This includes notifying them of your intended destination and expected return time.

Check equipment. Before heading out, inspect your boat’s safety equipment, including fire extinguishers, flares, and first aid kits. You may also want to contact your local U.S. Coast Guard to conduct a vessel safety check, which is offered free of charge. 

Adhere to your boat’s capacity. If you have too many passengers or excessive items on your boat, it may become unstable and capsize.

Know state boating laws. Local state rules and regulations can vary, and violations may result in fines, jail time, or other penalties.

Take a boating safety course. If you’re new to boating, these courses provide valuable information on navigation, safety equipment, and emergency procedures. You can find classes online and taking one could help you save money on your boat insurance.

Use an engine cut-off switch or a fob. This is the law! These safety devices may help prevent a powerboat engine from starting if the operator unexpectedly falls overboard.

Follow navigation rules. Maintain a proper lookout, safe speed, and be aware of crossing, meeting head-on, and overtaking situations. Always keep an eye on your surroundings to minimize the risk of accidents.

Don’t drink alcohol. If you plan to drink, make sure you designate a sober captain for your boat. And if others are drinking, minimize their swimming and other water activities, as it could lead to a liability risk if something were to happen.

Check the weather forecast. Before you head out, be sure to double-check it while you’re out in case there are any sudden storms or other unexpected conditions. The National Weather Service also has marine forecasts available for coastal areas.

Beware of carbon monoxide poisoning. Keep a working carbon monoxide (CO) detector on board and never block exhaust outlets. Also, maintain at least 20 feet of distance from the nearest boat that is running a generator or engine.

Stay connected. Ensure you have at least two communication devices on board, such as satellite phones, emergency position-indicating radio beacons, VHF radios, and personal locator beacons.  A cell phone may not be reliable, especially when cell service is limited in larger bodies of water.

Beware of holidays and night activities. Long holiday summer weekends often mean increased traffic, so be extra attentive and cautious in busier waterways and marinas. Fireworks and other holiday events can be fun but be aware of the risks associated with raft-ups and boating at or after sunset, when visibility is limited. Ensure all your lights are functioning correctly before anchoring after sunset.

If you own a larger, luxury vessel or yacht, learn more specific risk mitigation tips in the Yacht Risk & Resiliency Report.

By following these safety tips, you may enjoy your time in and around the water while minimizing risks. So, gather your friends and family, set sail, and make unforgettable summer memories—safely! 

Consult a “captain” (aka risk advisor).

If you need assistance in recognizing all your boating risks and how to insure against them properly, you may consider consulting your insurance or risk advisor. At Marsh McLennan Agency Private Client Services, we have dedicated personal risk advisors with in-depth knowledge of boats, yachts, and related insurance coverages. We offer professional risk analysis, creative solutions, and individual attention, serving as your trusted advisor to develop  optimal solutions for your vessel and maritime plans.