As winter fades and boating season approaches, March is when many boat owners and marinas begin spring commissioning. While de-winterizing and routine maintenance are top of mind, it’s also an important time to think about insurance considerations before the season officially begins.
Spring commissioning often means systems are tested for the first time in months. Engines are fired up, electrical components are reconnected, and vessels are moved, launched, or transported. These activities increase the risk of accidental damage, making proper coverage especially important.
Increased Risk During Launch and Commissioning
Launching a boat after months in storage comes with potential exposures - from mechanical failures to handling accidents. Even experienced crews can encounter issues when reconnecting systems or moving vessels back into the water. Having coverage that accounts for launch, transport, and dockside activity can help protect against unexpected setbacks.
Maintenance and Upgrades Matter
Spring is also a common time for upgrades and repairs. New Electronics, engines, or equipment should be reviewed to ensure they’re properly insured. If your policy hasn’t been updated to reflect improvements, you could be underinsured in the event of a loss.
For marinas and boatyards, spring commissioning often involves increased contractor activity. Ensuring your insurance reflects these operational changes can help manage liability risks during a busy season.
Review Coverage Before the Season Starts
Taking time in March to review your policy allows you to address gaps before boats are back on the water full-time. It’s easier to make thoughtful adjustments now than during the rush of peak season.
Start the Season with Confidence
At Marine Insurance House, we encourage boaters and marine businesses to think of spring commissioning as more than maintenance - it’s also preparation. A quick insurance review now can help ensure a smooth, protected start to the boating season.