Travelers Notes Boating Safety as Accidents Rise

On the eve of National Safe Boating Week, a report from the United States Coast Guard states the number of boating deaths, injuries and property damage increased for the second consecutive year, prompting boating experts to underscore the need for boat safety classes and education while calling for consumers to have proper insurance coverages.

According to the report, there were 710 boating fatalities in 2006 versus 697 in 2005; 3,474 injuries compared to 3,451; and $43.7 million in property damage compared to $38.7 million.

“Some of the most common and costliest claims we see are collisions, either with another boat or something in the water. Many of these accidents could have been prevented if people practiced safe boating,” said Chantal Cyr, vice president of Travelers’ Personal Insurance Boat and Yacht division. “With Memorial Day weekend approaching and summer right around the corner, now is the perfect time to remind people to practice safe boating.”

National Safe Boating Week, organized by the National Safe Boating Council, kicks off on May 17. This year’s theme is "Wear It!" emphasizing the importance of wearing life jackets. According to the Coast Guard, two-thirds of all fatal boating accident victims in 2006 drowned; of those who drowned, 90 percent of the victims were not wearing life jackets.

“The National Safe Boating Council commends Travelers Insurance for realizing the importance of safe boating and for making its policy holders aware of educational opportunities and safety discounts available to safe boaters,” said Virgil Chambers, executive director of the NSBC. “Our data tells us that boaters who take safe boating courses are less apt to get into mishaps.”

In addition to advocating safe boating, Travelers says boaters need to be familiar with the various insurance coverage options. “While you might think auto and boat coverage would be quite similar, coverages, price, and services can vary widely,” said Cyr. “Boat owners should take the time to understand the nuances of their insurance coverage.” For example, coverages can vary based on where the boat will be used, the length of the boating season, the experience of the person operating the boat and how the boat will be used.

Cyr, who has more than 12 years of experience in the marine industry, said boaters should also be aware that there could be coverage exclusions such as damage related to ice and freezing, fishing equipment, mechanical breakdowns, wreck removal, as well as paying for environmental issues such as fuel spills.

“The whole point of boating is to have fun with family and friends. If you’re boating safely and are confident you have the proper insurance coverage, you can relax and enjoy time on the water,” said Cyr.