These areas were closed as a precaution as oil was projected to be in these areas within days.  However, after review of satellite images, radar and aerial data it was determined that oil has not moved into these areas.

The federal closed area does not apply to any state waters.  Fishing is closed in this area as a precaution to ensure that seafood from the Gulf will remain safe for consumers.

The closed area, which is approximately 32.5 percent of the Gulf of Mexico, represents approximately 78,600 square miles, leaving more than two-thirds of the Gulf federal waters available for fishing.  The closure took effect at 6 p.m. on June 29, 2010.

To keep oiled products out of the marketplace, federal and state governments have systems in place to monitor and test the seafood and prohibit harvesting from affected areas.  NOAA continues to work closely with the US FDA and the states to ensure seafood safety; NOAA and FDA re implementing a broad-scale seafood sampling plan.  This plan includes sampling seafood from inside and outside the closed area, in addition to market-based sampling.

There are approximately 5.7 million recreational fishermen in the Gulf of Mexico region who took more than 25 million fishing trips in 2008; commercial fishermen harvested over 1 billion pounds of fish and shellfish in the same timeframe.

NOAA continues to evaluate the need for fisheries closures based on the evolving nature of the oil spill and will re-open closed areas as they deem appropriate.  They will also re-evaluate the closure areas as new information that could possibly change the boundaries of these closed areas becomes available.

NOAA’s mission is to understand and predict changes in the Earth’s environment, from the depths of the ocean to the surface of the sun, and to conserve and manage our coastal and marine resources.

To stay safe, please keep in mind these boating tips from NBOA Marine Insurance:

1. Always wear a life jacket and insist that your crew and guests do the same.  Approximately 70 percent of all fatal boating accident victims drowned in 2008.¹ Ninety percent of those who drowned were not wearing a personal flotation device (PFD) or life jacket.  Always have an adequate supply of personal flotation devices (PFDs) aboard. Make sure that children are wearing appropriate life jackets that fit correctly. Drowning was the reported cause of death for approximately 63 percent of the children who perished in 2008, a 13-percent increase from 2007 . Overall, fatal accident data suggests that nearly 460 lives could have been saved if boaters had worn their life jackets.  In cold water areas, life jackets are even more important. A fall into water colder than 60 degrees (Fahrenheit) can induce “cold shock” – a sudden gasping for air that can increase the risk of drowning, especially in older people. Hypothermia is a cold-water danger, too.
2. Never drink alcohol while boating. In 2008, alcohol was either a direct or indirect contributing factor in nearly 21 percent of all boating fatalities.  Stay sharp on the water by leaving the alcohol on dry land.
3. Take a boating safety course. About 90 percent of all reported boating fatalities in 2008 occurred on boats where the operator had not completed a boating safety course. You may even qualify for a reduced insurance rate if you complete a safety course. 
4. Stay in control by taking charge of your safety and that of your passengers. Boaters between the ages of 36 and 55 accounted for the highest rate of the total boating fatalities in 2008.¹ Don’t forget that safety begins with you.
5. Understand and obey boating safety recommendations and navigational rules. Imagine the mayhem that would result if car drivers disregarded highway traffic laws. Know and understand boating safety procedures and rules of navigation before taking to the water, and practice them without fail.
6. Operate at a safe speed and always maintain a careful lookout.  Overall, operator inattention, carelessness/reckless operation, operator inexperience and excess speed were significant contributing factors in virtually all reported accidents. ¹ Know your boat’s limitations as well as your own. Take note of visibility, traffic density and the proximity of navigation hazards like shoals, rocks or floating objects. Don’t invite a collision by going faster than is prudent. 
7. Check the weather forecast.  A calm day can quickly turn ugly on the water.  Keep an eye out for changing weather conditions and stay on top of the forecast while boating.  Promptly heed all weather and storm advisories.  
8. Have your vessel checked for safety—for free! The U.S. Coast Guard Auxiliary offers Vessel Safety Checks at no cost. Coast Guard Auxiliary staffers will check your boat’s equipment and provide information about its use, safety procedures and applicable regulations. Unsafe boats are a threat to all recreational boaters. Make sure your vessel is as safe as possible. Carry flares at all times.
9. Use a carbon monoxide detector. All internal combustion engines emit carbon monoxide (CO), an odorless, colorless, poisonous gas that can kill in minutes. Carbon monoxide poisoning caused 11 boating deaths in 2008.
10. File a float plan. The U.S. Coast Guard recommends that you always tell a friend or family member where you plan to go and when you’ll be back.  Make it a habit before leaving on any boat trip. The proper officials can be notified promptly if you don’t return when expected.

NBOA Marine Insurance specializes in boat insurance, marine finance, marine towing, safety information, and much more. To learn more about NBOA, visit www.nboat.com or call an agent directly at 1-800-248-3512.

• Before the launch, be sure the bottom paint and zincs are in good condition. Inspect all the fittings below the waterline and repair or replace any through-hulls that need attention. Check any plastic fittings above the waterline, since they can be damaged by sunlight, and pay close attention to the fittings in the bootstripe. Be sure all transducers are clean and free of marine growth, all intakes are clean, and bottom paint is in good condition. Make certain props are straight, shaft bearings are in good shape, and check swim step supports, trim tabs, boarding ladders, rudders and thrusters. Outdrive fluid should be clean and free of water, and the bellows at the transom deserves a close look. A failed bellows can sink a boat, so replace it if it isn’t perfect! Be sure exhaust ports are clear and in good shape.

• When you’re finished outside the boat, go inside and check seacocks, strainers, vented loops, hoses and hose clamps. Look at stuffing boxes, exhaust hoses and mufflers. Be sure muffler drain plugs are in place. Replace cooling system zincs and drive belts if needed. Run the steering gear from hard left to hard right to be sure it’s working fine. Battery water levels should be full, and connections should be clean and tight. Does the hull have a drain plug? Be sure it’s in place!

• Be present at launching so you can go below and check for leaks as soon as the boat is in the water. If a sailboat’s mast was removed for storage, it will be stepped when the boat is afloat. Inspect the spar, standing rigging and wiring beforehand, and secure the turnbuckles with cotter pins after the rig is tuned. Before starting any engines, be sure that the seawater intake sea cocks are open. Keep an eye on the gauges, watching for abnormal engine temperature or oil pressure, as you move the boat to her mooring.

• Once the boat is on her mooring or in her slip, walk the decks and check the anchor gear, lifelines, mooring lines and life rings. If the boat’s on a mooring buoy, pay close attention to the mooring bridle. Set up the canvas, close all the windows and hatches, and give the boat a good washing. Then go below and check for leaks, and make a note of any you find so they can be repaired before the next storage season.

• If you connect to shore power, be sure both ends of the cord, and the receptacles on the boat and the dock, are in perfect condition. Replace any fittings that have any sign of heat damage. Once the boat is plugged in, be sure the battery charger is working.

• The next step is to warm up the engines and generators for the spring oil change. While they’re warming up, check battery voltage to be sure alternators are working. If the boat is fairly new, or if you’ve had any motor mounts replaced, check engine alignment before the first cruise.

• You’ll then want to drain and flush the domestic water system, and fill the water tanks. Turn on the pump and check the system for leaks. Open the valve on the propane tank, turn on the solenoid valve and light a burner on the stove. Then turn off the burner, leave the solenoid valve open, and close the valve on the tank. Note the reading on the pressure gauge, wait 10 minutes, and read the gauge again. If the reading has changed, use soapy water to find the leak and repair it before using the stove.

• Reviewing safety items is critical and you can begin by checking the lifejackets, flares and first aid kit. Be sure the horn, running lights, anchor light and searchlight work properly. Check the fire extinguishers and change the batteries in the smoke and CO detectors. Make certain the boat’s registration or documentation is current, and that all the required papers are on board. Start a “punch list” of things that will need attention before the end of the season.

For more information about boating safety, please visit www.nboat.com

Have a great summer!

-NBOA Marine Services

Location and Number of Extinguishers

It is not unusual for marine surveyors to hear a boat owner say, “The dealer put a couple of fire extinguishers on the boat when I bought it. I put them in a drawer to keep them out of the way. It will only take a minute for me to find one.” Fire extinguishers must be at your fingertips to be of any use in fighting a fire. If you need to go looking for them once a fire has started, you will waste precious time during which the fire may grow quickly out of control and your boat could be lost.

The U.S. Coast Guard (USCG) has regulations for what it feels is the absolute minimum number of extinguishers the average boat of any length needs onboard. Is that adequate? Neither the National Fire Protection Association (NFPA) nor the American Boat and Yacht Council (ABYC) believes that it is. They both recommend at least one more extinguisher above the USCG minimum. For instance, on any boat 40 feet and over, but not over 65 feet in length, ABYC and NFPA recommend at least 4 extinguishers. Boats 26 feet to under 40 feet in length should have at least 3 extinguishers, and boats under 26 feet should have at least 2 portable fire extinguishers.

Note: ABYC and NFPA standards mirror USCG regulations for boats 65’ and longer. Think about where a fire is most likely to occur on your boat. If you thought of the engine compartment or galley, you’re right. So it makes the most sense to mount your fire extinguishers near these areas. The best locations to mount extinguishers are in areas aft of the engine compartment (cockpit area); forward of the engine compartment (accommodation areas); outside the engine compartment (not inside it); in the galley area; this, you should be able to grab an extinguisher before you reach the location of a fire.

Choosing an Extinguisher

Now that you know the best places to mount your extinguishers, you need also to confirm that you have the correct type onboard to fight the classes of fires found on a boat. Fires are classified A, B, C, D & K depending on what materials are burning. Class A – wood, fabric, paper and plastics; Class B – flammable liquids; Class C – electrical; Class D – combustible metals; and Class K – cooking oils and greases such as animal and vegetable fats. Boats contain materials that are mainly included in Classes A, B and C. For this reason, ABYC and NFPA recommend type ABC extinguishers except when the extinguisher is specifically intended for machinery space protection. In that case, the extinguisher can be type BC. The most common extinguisher and the most recommended for use on boats is dry chemical. Other options include carbon dioxide (C02) and halogenated or clean agent. C02 extinguishers are heavy and usually found as fixed systems inside engine compartments. Halogenated or clean agent extinguishers include the halon agents as well as the newer and less ozone-depleting halocarbon agents.

Certain types of extinguishers are designed to be mounted in enclosed machinery spaces and discharge automatically or remotely when a fire is detected. These “fixed extinguishing systems” quickly and safely extinguish a fire without opening hatches, and thereby exposing the fire to additional oxygen. The fast response of these extinguishers often minimizes the damage when a fire occurs in an enclosed space. Any extinguisher you choose should be noted as for use in marine applications. Make certain the label includes “Marine Type USCG” and is listed or approved by a recognized independent testing laboratory such as UL, FM or CSA.

Inspection and Maintenance

Once you have the appropriate number and type(s) of extinguishers mounted in the correct locations, you’re off to a good start. Extinguishers need routine inspection and maintenance like everything else on your boat, and you can’t expect them to work properly if you haven’t performed these duties regularly and as instructed. You can perform extinguisher inspections as part of your monthly routine inspection process. An inspection is a quick check to visually determine that the extinguisher is properly placed and will operate when deployed. Maintenance, as distinguished from inspection, means a complete and thorough examination of each extinguisher.

An inspection is a check to visually determine that the extinguisher:

1. is in its designated place;

2. is conspicuous;

3. is readily accessible;

4. has not been activated or emptied (partially or completely);

5. has not been tampered with;

6. has not sustained any obvious physical damage or been subjected to corrosion; and

7. if equipped with a pressure gauge and/or tamper indicators, that each shows the condition to be satisfactory.

A maintenance check involves disassembling

the extinguisher and:

1. examining all its parts;

2. cleaning and replacing any defective parts;

3. reassembling and recharging.

Maintenance should only be performed by fire equipment contractors. Your marina should be able to provide the names of local fire extinguisher maintenance contractors, and the typical maintenance cost in your area.

Inspection and Maintenance Tips

• Dry chemical extinguishers should be inspected monthly and should also undergo an annual maintenance check.
• Dry chemical extinguishers should be frequently removed from their brackets and shaken to make sure the powder is free flowing and is not caked. Striking the bottom of the extinguisher with a hand or soft mallet can help loosen the powder.
• Carbon dioxide and clean agent extinguishers present a challenge since weighing them is the only way to determine if they are fully charged. Semi-annual weighing is advised.
• Non-rechargeable Halon extinguishers needing service should be returned to the manufacturer or a qualified servicing company for recovery of the Halon.
• Each extinguisher should have a tag attached indicating the date of the last thorough maintenance check.

Inspection and Maintenance

ABCs of Portable Fire Extinguishers

Once a fire starts there is little time for experimentation, and improper use may injure the operator as well as delay putting out the fire. During your inspection and maintenance routine, read the instructions for use printed on the extinguisher.

A good acronym to help you remember the proper use of an extinguisher is P.A.S.S., which stands for:

Pull the pin at the top of the extinguisher.

The pin releases a locking mechanism and will allow you to discharge the extinguisher.

Aim at the base of the fire, not the flames.

This is important! In order to put out the fire, you must extinguisher it at its source.

Squeeze the handle slowly.

This will release the extinguishing agent in the canister. If the handle is released, the discharge will stop.

Sweep from side to side.

Using a sweeping motion, move the fire extinguisher back and forth until the fire is completely out. Operate the extinguisher from a safe distance, several feet away from the fire, and then move closer towards the fire once it begins to diminish.

Be sure to read the instructions on your fire extinguisher, and please keep in mind that different fire extinguishers recommend different distances from which to operate and fight the fire.

Dry chemical extinguishers usually have a locking mechanism which must be released. Aim the extinguisher at the base of the fire and squeeze the operating lever. Attack the fire near the edge and move toward the back of the fire while sweeping the nozzle rapidly from side to side.

Do not point the initial discharge directly at the burning surface because the high velocity of the stream can splash and scatter the burning material, making things worse.

Carbon dioxide and Halon extinguishers usually require two hands to operate. Hold the cylinder upright and remove the locking pin. Squeeze the operating lever and aim at the base of the fire. Sweep slowly across the fire. Repeat in spurts several times, even after the flames are extinguished, to avoid reignition. The gas rushing out of a C02 extinguisher is loud and may catch you off guard if you are not expecting it.

In Case of Fire at Sea

You are enjoying a great day of boating when someone smells smoke. How you handle the situation will affect the ultimate safety of you and your passengers, and the outcome for your vessel.

1. Shut down all systems. Of course, there are exceptions such as when you are making a passage through a narrow, tricky channel, but the quicker you can shut down the better. You are now dead in the water, so move quickly and deliberately.

2. Grab your extinguisher.

3. Assemble everyone on the bow with life jackets on and don’t neglect to put on your own.

4. Assign someone to immediately radio a Mayday. It is best if the Mayday procedure is posted near the radio.

5. Give your position, name of vessel, type of vessel, number of people aboard and the status of the situation.

6. Keep giving continual updates on your situation until you no longer need assistance.

7. Feel all hatches before opening when you are looking for the fire. If hot, do not open.

8. If you can safely approach the fire, use the nearest fire extinguisher and begin putting out the fire. Remember the acronym P.A.S.S. Pull the pin. Aim at the base of the fire. Squeeze the handle and Sweep from side to side.

9. If the fire is located inside an enclosed machinery space, discharge the clean agent extinguisher (CO2, Halotron, etc.) through the fire extinguisher access port, usually a 3” to 4” opening, or the smallest opening available. If you are not sure the fire is out, discharge another extinguisher before opening the hatch. Note: Once you open the hatch, the incoming air can provide oxygen to reignite or feed the fire.

10. Always try to be on the outboard side of the hatch when you open it. This way, if it does flash or explode, you are closest to the water. Remember, you are wearing your life jacket. Many fires on boats are small and can be contained easily but never take chances. Fires that start small can grow large very quickly because there is so much to burn onboard. Every fire at sea is dangerous, and all have the potential to be disastrous. With the proper equipment, maintenance and safety precautions, you can be prepared to fight an onboard fire.

Safety through Early Detection

Smoke Detectors

While it is vitally important to have the proper fire extinguishing equipment onboard your boat – and have the knowledge of how to use it properly in an emergency – the rapid and early detection of a fire is paramount in successfully containing and extinguishing boat fires.

To do this, you need at least one and preferably more functioning smoke detectors onboard, installed outside the vessel’s sleeping area and/or the main cabin. If there are doors to individual sleeping spaces, it would be prudent to install an alarm inside each space as well. Whether individuals sleep onboard or not, these alarm(s) could warn not only people who may be onboard the boat, but may also warn people in the marina of a potential problem onboard when the boat is docked and unattended.

The National Fire Protection Association (NFPA) has required smoke detectors on boats 26 feet and greater with accommodation spaces since 2004. These detectors can be hard-wired or a battery operated version, but they should all be listed by Underwriters Laboratories (UL). Smoke =alarms shall meet ANSI/UL 217, Standard for Single and Multiple Station Smoke Alarms, as it applies to “Smoke Alarms for Use in Recreational Vehicles” (visit UL.com for more information), or be listed for marine applications. Smoke detectors should also meet the standards of ANSI/UL 268, Smoke Detectors for Fire Protection Signaling Systems, or be listed

for marine applications. Generic smoke detectors designed for use in your home may work onboard for a short time but they are not designed nor intended to hold up in the harsher marine environment. Smoke detectors that are UL Listed for Recreational Vehicles are designed to withstand the environment found on most boats. (UL has recently adopted a standard for Marine Smoke detectors which mirrors the one for Recreational Vehicles however none are currently being manufactured with this specific Marine standard.) You should consult the manufacturer’s instructions for proper placement and number of smoke detectors for your particular boat size.

Carbon Monoxide Detectors

Some manufacturers of smoke alarms also sell carbon monoxide detectors/alarms and have combined them into single units designed to sound an alarm whenever smoke or carbon monoxide is detected. Both NFPA 302 and ABYC require carbon monoxide detectors on gasoline powered vessels, thus consideration should be given to installing such a combination unit if your vessel meets the prerequisites.

Inspection and Maintenance

Remember, both smoke and fire detectors need maintenance and inspection on a regular basis, as do your fire extinguishers. Please pay particular attention to battery operated units and ensure the batteries are charged and functioning on a regular basis. A good practice is to conduct a monthly “push button” test of these alarms. Also, semiannual replacement of batteries is recommended, in the Spring and Fall when daylight saving changes occur, similar to what one would do with home-installed smoke detectors.

If the worst should occur and you do experience an onboard fire, with a loss to your vessel or an injury onboard, the following steps should be taken to process an insurance claim:

1. For the record, photograph the damaged vessel or property and make a list of all damages and suspected problems. If the vessel or property is in danger of suffering further loss, take all necessary steps to preserve and prevent further damage. Do not begin repairs other than those necessary to prevent further damage.

2. Promptly call your insurance agent or insurance company to report the loss. Estimate the percentage of damage, i.e., cosmetic, water damage, total loss, etc.

3. Contact repair yards and/or contractors to obtain estimates for repairs. You do not have to wait for an adjuster/surveyor to get estimates.

4. An adjuster, insurance company surveyor or independent surveyor acceptable to the insurance company will be instructed to survey the damages. A boat owner can elect to hire a second surveyor, at his own cost, to conduct an independent survey of the vessel. The boat owner should arrange to accompany the surveyor on the initial damage survey.

5. Have your inventory list, receipts, inventory pictures, photos of damages and repair estimates ready for inspection by the adjuster/ surveyor. You will need to provide both a “proof of loss” and “release/payment order.”

6. After conducting the survey, the adjuster/ surveyor files a damage report with the insurance company, and sends a copy to the boat/property owner, if required.

7. The boat/property owner files a statement of loss with the insurance company explaining what took place, when, where and why. It includes specific lists of known damages along with sketches or drawings.

8. In the event of a dispute, the boat/property owner may hire a second surveyor/adjuster, at the owner’s expense, to represent the owner’s side of the dispute. A third party will be designated to listen to both sides and arrive at a decision.

9. If the boat/property owner agrees on the estimates and the company designated to do the repairs, the insurance company issues a check with both the repair firm and owner/mortgagee listed as payees on the check.

10. When the work is completed to the owner’s satisfaction and approval, the check is co-signed and the repair firm is paid.

11. If a total loss of a vessel exists, a check is issued by the insurance company to the boat owner and mortgagee – usually for an amount equal to the agreed value, or the fair market value of the vessel.

12. In the event of a total loss, be prepared to surrender the vessel’s documentation papers and/or title, original insurance policy, any remaining equipment and the damaged vessel itself.

Remember!

If a vessel or property is insured and damages have occurred, a report of loss and/or damage should be made to the insurance agent and/or company as soon as possible. A telephone call will suffice to put them on notice. This should be followed up with a written notice. Provide all the details that you can on this first notice, such as:

(a) exact location of vessel or property and accessibility;

(b) structural condition of vessel, extent of property damage (e.g., holes in hull, major or minor damages);

(c) did the vessel partially sink and is the machinery and/or interior wet? Was property flooded?

(d) must the vessel be removed immediately; if so, to what location?

Established in 1984, the National Boat Owners Association (NBOA) is one of the largest agencies to specialize in marine insurance in the country, working closely with several A-rated carriers and providing every one of its customers with superior rates. NBOA aims to accommodate all aspects of the boating lifestyle. In addition to marine insurance, they offer towing memberships with excellent benefits as well as safety products and specialty items on their online Ship’s Store. For more information visit www.nboat.com.

Operating a boat can be fun and exciting, but it has risks. Fortunately, most of them can be avoided by following some simple safety tips each and every time you take to the open water. Here are a few suggestions that will help keep you safe while you’re out enjoying your boat or personal watercraft:

Watch the Weather. Listen to local and national weather reports before leaving shore and stay alert for signs of bad weather while you’re boating. A shift in the wind, lightning and choppy water can all mean that a storm is nearby. Listen to a portable weather radio while you’re out on the water. If a Small Craft Advisory is announced, get your boat to shore as quickly as possible. Because water conducts electricity, it’s important to get off the water quickly at the very first sign of lightning. For marine weather information, visit www.weather.com .

Pack Right, Think Ahead. Bring any extra gear you may need in the event of an emergency. A flashlight, extra batteries, extra clothing and blankets, maps, flares and a first-aid kit are all good items to bring along. And don’t forget the sunscreen and sunglasses when you plan to be out on the water. As the sun’s rays reflect off the water, glare and sunburn are highly possible. NBOA’s Ship Store offers a wide variety of marine emergency equipment.

Safety Equipment is Essential. Every time you go boating, be sure to carry basic safety equipment. Always have and wear a U.S. Coast Guard approved Personal Flotation Device (PFD). And have one for each person on board. A PFD must fit well and be in good condition to meet Coast Guard requirements. You should also make sure you have a throwable personal flotation device in the event that someone falls over board. Other important safety gear would include a tow line, jumper cables, extra paddle or oar, fire extinguisher, something to use for bailing in the event that your vessel takes on water and audible and visual distress signaling devices such as a whistle, air horn, orange smoke device and flare.

Keep a Detailed Float Plan. Anytime you go out in a boat it is a good idea to leave information regarding your travel plans with a responsible person that is not traveling with you. Details about where you are going, when you are leaving and when you plan to return will be important in the event that your boat is delayed due to weather conditions, mechanical problems or other emergency, and help needs to reach you.

Know and Obey the Rules. Be sure to educate yourself about boating laws and rules. You are responsible for the safety of those on board your boat, and other boaters that share the water. You must know and obey the laws. You should also educate yourself about distress signals and navigational lights and signals. Some simple rules of boating include:

1. When intersecting with another boat’s path, the vessel on the right has the right of way.

2. Powerboats must yield to sailboats and boats being rowed or paddled.

3. Stay well clear of all big vessels.

4. Be very careful when navigating in a narrow waterway.

5. Any boat being overtaken has the right of way.

Careful with Fuel. Fill portable fuel tanks on the dock. When you are fueling your boat, do not smoke, close all hatches and be sure

to turn off engines and any electrical appliances or equipment. After fueling, open all hatches to ventilate

the vessel, then run the blower for at least four minutes and then check the bilges for vapors before starting

your engine. If you smell fumes, wait until all traces are eliminated to start your engine.

Stay Warm and Dry. Hypothermia can kill. Wearing a PFD can help reduce distress caused by sudden immersion in cold water. If you must enter the water, button up any clothing you can, put on your PFD, try to cover your head and enter the water slowly. If your boat capsizes, it will likely float on or just below the surface of the water. Try to get as much of your body out of the water as possible by climbing onto the boat. Do NOT discard clothing; it will help trap heat. Draw your knees up to lessen the escape of heat. And if there are several people in the water, huddle together so you can conserve heat.

Stay Sharp and Sober. Alcohol, drugs, medications and fatigue can all impair your ability to reason and make sound judgements. Up to half of all boating accidents involve alcohol, and a person under the influence is up to 10 times more likely to be killed in a boating accident than one who is has not been drinking. Combining the effects of alcohol and cold water can also speed the onset of hypothermia, causing even good swimmers to drown. DO NOT drink, take any medication that might impair your judgment or do drugs and then operate your boat.

Double Check Before you Push Off. Be sure to check that your boat is running properly before casting off. Your vessel should be in top working condition and free of fire hazards, tripping hazards and any other conditions that could result in injury.

Travel Light. When loading your boat, keep the load low and evenly distributed. When changing seats in a small boat, stay low and near the center. Be sure you know your boat’s capacity; this should be labeled on a Capacity Plate on your boat. Don’t overload or use a motor that is too big for your vessel.

PWCs. Personal watercraft ownership is increasing every year…and so are accidents relating to these craft. If you own a personal watercraft, you are a member of the boating community and need to follow basic safety and etiquette rules. It is a good idea to learn the water regulations and access rights and rules in your area. It is important that you know how to swim and operate your personal watercraft before taking it into the water. Read your owner’s manual. And always wear your personal flotation device when you’re out on the water. You should also be aware that certain states have age restrictions on personal watercraft operators.

Be a Team Player. It is important that the driver of the boat, the person being pulled and the observer operate as a team. You all need to know the equipment, boating laws, the fundamentals of the sports and how to work together to make these water sports safe and fun. Make sure that you know and use hand signals, be careful that where you’re boating is free of obstacles and when you’re picking up a fallen skier, approach carefully from the driver’s side so the skier is always visible. Turn off the engine when near a skier to avoid injury from the propeller.

Knowledge is Key. Improve your boating skills by taking a beginner or experienced boating safety course. The United States Power Squadron, United States Coast Guard Auxiliary, United States Sailing Association and the American Red Cross all offer boating safety courses that will teach you what you need to know to hit the waves safely. And taking a boating safety course might make you eligible for insurance discounts. To find out more about getting specialized insurance to give you peace of mind when you’re out on the water, contact your local Foremost Insurance Group of companies representative. Or call NBOA toll-free at 1-800-248-3512, Monday through Saturday, 8:00 a.m. to 6:00 p.m., EST, for an agent nearest to you.

As we enter into the holidays and the winter chill grips most of the country, buying a new boat seems like a distant dream. However, your dream might become a reality during the winter months. Experts agree the best time to buy a boat is during the off-season, which corresponds to the winter boat show season. They also agree that boat shows are great opportunities for boaters to get special deals and incentives on new boats, as well as meet dealers and manufacturers. If you aren’t in the market to buy a boat yet, just have fun and take it all in. For certain, any person serious about buying a boat should begin with attending a boat show. Use these boat show tips to make the best of your experience:

Do Your Homework!

Boat shows are a great way to begin the boat buying journey. They are one of the best avenues to try on many different boats, but the best way to determine if you are getting a good deal at a boat show is to do your homework ahead of time. This can be somewhat difficult since boat dealers don’t typically have online tools where you can choose your boat’s features and see its costs. There are, however, many great brokerage websites that can help you with pricing information.

Attend Multiple Shows

The primary winter boat show season is January through March, which experts agree is the best time to buy a boat. If you are a serious boat shopper, use the boat show season to your best advantage by attending the Fall boat shows. Boat shows are held across the nation and there is certain to be one, if not more, near you. By attending as many boat shows as you can throughout the season, you will be building your knowledge of boat manufacturers, dealers, and prices, helping you narrow the field of possible new boats.

Boat Shows are Your Friend

Boat shows exist to cater to you, so use that knowledge to your best advantage by shopping all the makes and models of new boats. The best part of a boat show is having many boats in one place to comparison shop. Take along a camera and a notebook to record your observations about each boat that catches your eye. Write down what you liked or didn’t like about each model and your impressions of the boat. Grab brochures for the boats you like best, but take your own pictures because the brochures leave out images of many features you may consider important. Most importantly, write the boat show price and the list price of the boat so you can compare prices between boat shows and dealers.

Shop for Boats and Dealers

At the same time you shop for a boat, shop for a dealer. Record your impressions of the sales people as you tour the boats. When you purchase a boat from a dealer, it could be a long and rewarding relationship or a disastrous one. Boat shows are a good time to make contacts and determine the best dealers to work with in the long haul. Finally, don’t be afraid to talk price to a dealer, even if you know you aren’t ready to buy. This can give you a more accurate price for a boat you may be interested in, and how much a dealer is willing to work with you.

Don’t Impulse Buy

Unless you have thoroughly done your homework and are certain you are getting the best deal, do not buy a boat on your first visit. Try to attend on the first day of the boat show so that you have time to think about a possible purchase. Some veteran boat buyers recommend waiting until the last day of the show towards the end of the day. It may be possible to get a better deal then because dealers are trying to recoup their show costs. Other boating industry experts disagree with buying at boat shows, and direct boaters to buy at the dealer’s location.

NBOA Marine Insurance attends hundreds of boat shows across the country. We are there to help new boat buyers obtain insurance, answer any insurance questions, chat with our customers, or counsel potential customers on who to work insurance costs into their budget. If you see us this upcoming boat show season, be sure to stop by our booth and say hello!

NBOA Marine Services is pleased to offer important tips to help you prepare your boat for the winter season, and help prevent potential weather-related problems.

• Make regular inspection visits to your vessel to ensure the bilges are dry, drains are clear, mooring lines are secure and not chafing, and batteries are charged. Post emergency phone numbers in one of the boat’s windows facing the dock. If you’ll be away for an extended period, arrange to have a friend or neighbor check on the boat.

• Accumulating leaves, ice or snow can block cockpit drains, and the weight of snow or rainwater collecting in the cockpit can force the stern down, allowing water to enter through openings normally above the waterline. Inspect all through-hulls close to the waterline. If any of them are plastic, they can develop cracks that will allow water in if they become submerged. They should be replaced with bronze or fiber-reinforced nylon.

• Make certain bilge pumps and float switches are in good condition, and keep the batteries charged. Remember, though, that pumps don’t sink boats. Leaks sink boats. Inspect all your hoses, valves, outdrive bellows, stuffing boxes, strainers and through-hulls and be sure everything is ship-shape. Be sure all hatches are secured, and all cockpit hatch drains are clear of debris and obstructions.

• Close all the seacocks. If they are left open, and a short period of freezing weather causes a hose to split or a strainer to crack, the boat will sink when the weather warms up. In fresh water where muskrats may be a problem, cover or block exhaust through-hulls. Be sure to inspect all the plumbing when opening the seacocks in the spring.

• Install a smoke detector and a high water alarm. If there’s a problem onboard, the alarm may be heard by a neighbor or a marina employee.

• Marinas are a target for thieves in the winter. Be sure to remove all valuables from your boat, including electronics, tools, binoculars, fishing gear and small outboard motors, and take them home or store them safely ashore.

• Remove sails, including roller-furled headsails, to prevent them from being damaged during a winter storm. Also, be sure all exterior canvas is well secured.

• If you must use heaters on board, consider using non-thermostatic “hot sticks” or “air dryers, “which are safer, use less electricity, and help fight mildew by keeping air moving. Leave interior lockers open to provide more air circulation. Spend some time preparing for colder weather, and make regular visits to your boat. A bit of prevention in the fall, and attention throughout the winter, may prevent many headaches later!

NBOA Marine Services is a division of the National Boat Owner’s Association. NBOA is committed to providing everything you need to get out and enjoy the boating lifestyle. Whether you are shopping for boat insurance, looking for the right boat financing, searching for a great boat towing service, or shopping for new life jackets and safety equipment, NBOA is your one-stop source for everything boating! Call 1-800-248-3512 or visit NBOA Marine Insurance to start your savings!

Being pro-active is key

If you own a boat, or you’re thinking of purchasing, please review these theft-prevention tips to keep your boat safe. Boat theft occurs all year round, whether it is in use or during lay-up. As one of your largest assets, your boat or yacht should be protected. In addition to comprehensive boat insurance, it is always helpful to take steps toward preventing theft.

1. Careful with the keys! Do not leave your key in the ignition when the boat is not in use, or when it is unattended.

2. A secure boat is a safe boat. Secure your boat so it cannot easily be moved.

3. Never leave a “For Sale” sign on your boat when you’re away for a long period of time.

4. If your boat is kept at a marina, choose one with full-time security and good lighting. Make sure your marina is aware of when your boat is being used by you or an operator approved by you. The sooner they become aware the boat isn’t in its slip or where it is supposed to be, the sooner they can notify you so efforts can begin to locate your vessel.

5. Install an anti-theft alarm and/or tracking system on your boat. NBOA Marine Insurance has a variety in our Ship’s Store, and we can recommend a quality model based on your needs.

6. Remove all personal property, such as portable electronics and fishing equipment, from the boat when not in use. If it cannot be easily removed, stow your equipment where it is out of sight and preferably in a locked storage location. Use a diamond-tipped tool and etch identifying marks on all electronic cases, high-value rods and reels, HD/Plasma TV sets and other expensive personal items.

7. If the boat is kept at your home, store it behind your house or on the side of your house. Avoid leaving it in a spot that is visible from the street. Also, park it so the trailer tongue doesn’t face the street.

8. To avoid entry into your vessel’s cabin, replace the spring-latch locking assembly with a deadbolt-type lock.

9. Do not leave registration, title or document papers on the boat when it is not in use. While in use, these papers must be onboard the vessel.

10. If you must leave your boat for an extended period of time, ask a friend to check on it regularly. Of course, if the worst should happen and your boat or equipment is stolen, it pays to have comprehensive insurance in place. NBOA Marine Insurance offers exceptional, all-risk insurance coverage for pleasure boats of every size –from the smallest to the largest – throughout the United States. Programs are available to protect an entire spectrum of pleasure yachts and boats and marine businesses, including luxury mega-yachts and sailboats, sport fishing boats, ski boats, personal watercraft, high performance vessels and select charter vessels, as well as yacht clubs, marinas, boat dealers, boat builders and more.

Thieves typically strike where they find an easy opportunity. You can help deter theft by keeping in mind three basic principles – TIME, NOISE and VISIBILITY. Do things that increase the time it would take to steal your boat. Take preventative measures that would force a thief to make noise in order to steal your boat. Keep your boat where it is invisible, making it difficult for a thief to steal your boat without being noticed.

NBOA Marine Insurance is committed to keeping you, your family, and your boat safe. If you have any questions regarding boat safety, or if you would like more information on NBOA’s boat insurance, please visit www.nboat.com or call one of our agents directly at 1-800-248-3512.

Read More About Your Boat Insurance Policies

Prepare your boat(s) to ride out the storm and make sure you are financially ready to ride out the storm with proper insurance on your boat(s).
As the hurricane season churns into full swing, it is important to prepare yourself, your family, and your boat for the worst. Please read our list of the most important things to do before a hurricane comes your way.

Develop a detailed plan of action to secure your vessel in the marina (if permitted).
Alternatively, you may remove your boat from the threatened area or take your boat to a previously identified storm refuge. Specifically identify and assemble needed equipment and supplies. Keep them together and practice your plan to ensure it works before the hurricane season. Arrange for a qualified and capable friend or a licensed professional captain to carry out your plans if you are out of town during the hurricane season.

Owners of non-trailerable boats in wet storage have options that include the following:

Owners of boats remaining in a marina berth can take the following precautions:
Double all lines. Rig crossing spring lines fore and aft. Attach lines high on pilings to allow for tidal rise or surge. Make sure lines will not slip off pilings. Inspect pilings and choose those that appear the strongest and tallest, and are installed properly.

Cover all lines at rough points or where lines feed through chocks to prevent chafing.
Wrap with tape, rags and rubber hoses or leather. Install fenders, fender boards or tires if necessary to protect the boat from rubbing against the pier, pilings and other boats.

Fully charge the batteries and check to ensure their capability to run automatic bilge pumps for the duration of the storm.
Consider backup batteries. Shut off all devices consuming electricity except the bilge pumps, and disconnect shore power cables.

Secure, secure, secure.
Lash down everything you are unable to remove such as tillers, wheels and booms. And after you have made anchoring or mooring provisions, remove all portable equipment such as canvas, sails, dinghies, electronics, cushions, biminis and roller furling sails.

Do not stay aboard. Winds, during any hurricane, can exceed 100 mph and tornadoes are often associated with these storms. Above all, safeguard human life. Climate experts at the National Oceanic and Atmospheric Administration (NOAA) continue to predict active Atlantic Hurricane seasons in the coming years. We could experience several named storms each year, a few of which may have the potential to become major hurricanes. These predictions reinforce the need for boaters in hurricane-prone regions to have preparation plans in place. Boat owners and the marine community should take proactive measures to minimize the potential for injuries and damage to their boats and other property. Remember, key factors in protecting your boat from hurricanes or any severe storm are planning, preparation and timely action.

Check your lease or storage rental agreement with the marina or storage facility.
Know your responsibilities and liabilities as well as those of the marina.

Maintain an inventory of both the items removed and those left on board. Items of value should be marked so that they can be readily identified. You should also consider maintaining a video or photographic record of the boat and its inventory in a secure location other than the vessel itself for future reference.

Consolidate all records including insurance policies, a recent photo of your vessel, boat registration, equipment inventory, and the lease agreement with the marina or storage facility. Ensure that you include the telephone numbers of appropriate authorities, such as the U.S. Coast Guard, Harbor Master, National Weather Service, and your insurance agent, and keep them on hand.

For more information on hurricane preparedness, or to download a hurricane information pamphlet contact NBOA Marine Insurance at 1-800-248-3512 or visit www.nboat.com for details.

Read More About Your Boat Insurance Policy

Once the boating season is over, and you have your boat cleaned up and tucked away for storage, you might think about saving a few dollars and canceling your boat insurance policy. After all, what could possibly happen to your prized possession during the winter months when it’s locked away in the garage or in a storage facility? The answer: Quite a lot.

Contrary to popular belief, the amount of claims filed during cold-weather months is shocking. Over the last three years, nearly two out of every ten claims filed from Minnesota to Maine were filed during the fall and winter months. In the off-season, several situations emerge, each potentially costing thousands of dollars in damages. Without the proper coverage, boaters would have to pay for out of their own pockets.

Trying to justify dropping collision coverage – which pays for damages in the event of an accident that would generally occur only when the boat’s in the water? Know this: The majority of boat claims are for fire, theft, vandalism, and flooding – all of which occur year round. Without comprehensive coverage, which pays for damage caused by circumstances other than a boat collision, boats damaged or destroyed by these events would not be covered.

Boaters could also be held responsible for injuries that occur on or around their boats, even during your lay-up period, and even if the injured person was there illegally. Without liability coverage – which pays for injuries to other people or damage to their property if you cause an accident – you, and not your insurer, could be legally responsible for damages or the injured parties’ medical bills.

Also, canceling your insurance will not make the insurance companies eager to insure you the following year. In many cases, once you cancel a policy, that company will not insure you again for a period of time. Depending on the vessel, some companies will require your boat to have been previously insured before they will consider writing a policy. Other companies offer discounts for a boat with over 6 months of continuous coverage. Moreover, if you have financed your boat, most lenders require year-round coverage. By canceling a policy for the winter months, you will most likely pay more than what you would have by keeping the policy in effect.

For more information about boat insurance, contact an experienced agent at NBOA Marine insurance at 1-800-248-3512 or complete a free boat insurance quote online.

Read More About Your Boat Insurance Policies