How Will Cuts in Disability Benefits Affect You?

Be climate and clothing ready

Keep on top of weather forecasts so that you will not be stuck in a wind, hail or rain storm. Wear comfortable clothes and bring along anything that will further weather suitability, like a sweater, blanket or additional towels.

Inspect your boat before your trip

Ascertain that your lights and horn are working as they should and that you have an adequate fuel level. You will also need to have on board:

• A radio

• Flashlight

• Flares

• Fire extinguishes

• A life jacket for each passenger

Don't Speed

All the insurance providers cite the primary reason for auto, truck, motorcycle and boat collisions: speed. The associated darkness of night-time boating obviously adds to the necessity of slower cruising. Keep in mind that there will be other vessels on the waters and brush up on sea-faring traffic safety rules.

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What is Boat Builders Insurance?" I was asked at a networking event recently. Well of course the obvious response would be a rather glib "Insurance for people that build boats" but, thankfully,I took a little time to pause before answering as the answer is, perhaps, not quite as straightforward as one might think.

First of all, we have to ask ourselves "What is a boat builder?" This is important because there are a lot of marine businesses who include that activity in their business description but repair boats rather than actually build them. Similarly there are people who build boats but do not describe themselves as boat builders. For example a shipwright may build or repair vessels - these could either be leisure-craft - what we would normally term a boat - or a larger commercial vessel which we would describe as a ship. We can also add to the mix those craftsmen who restore boats rather than build them from scratch as well as those individuals or businesses that will "fit-out" a shell of a vessel, either for their own use or as part of their commercial activities.

So, Boat Builders Insurance is a specific insurance solution that may form part of a larger insurance programme for individuals or businesses that conduct one or more of the following activities but may not necessarily describe themselves as a boat builder: