You buy boat insurance to protect yourself from the cost of unexpected damages that are beyond your control, and, depending on your policy, liability while you are on the water, which can include some coverage for passengers. When purchasing insurance, you should tell your agent the maximum occupancy requirements of your boat and ask if the coverage applies whether passengers are on or off the boat (some policies may exclude passengers who are being pulled on floats behind the boat). Never exceed the maximum occupancy requirements as this places everyone in danger and can be considered negligence by your insurance provider. Equally important, protect your passengers with safe boating practices and ensure that all flotation, emergency equipment, and first aid kit are maintained. If you don’t protect your passengers, you could assume full liability for their injuries. Having a quality boat insurance policy adds an extra layer of protection. Contact us for more information.