Category Archive Marine Insurance Marketing

valuations for cargo ships

Safety Evaluations for Cargo Ships

Cargo ships all have to take important safety steps to mitigate safety hazards. Apart from the dangers posed by inclement weather, other hazards such as mechanical failures or improper maintenance could present a serious danger. Safety inspections are a critical part of ensuring that a ship is seaworthy and that crew and cargo will be safe.

Cargo Needs to Be Stored Safely

Cargo safety evaluations must confirm that cargo containers are being placed securely and weight is distributed evenly throughout a ship’s cargo hold. Any unexpected movement while a ship is in motion could result in serious personal injury or property damage.

Life Rafts and Life Boats Must Be in Working Order

In the event of a critical emergency, a ship’s emergency life rafts and lifeboats need to be ready to put to use. There must be an adequate number of emergency vessels to accommodate all crew on board, and they must be equipped with all necessary emergency equipment.

Communication Equipment Must Be Well-Maintained

A ship’s vital emergency communication equipment must be fully operational at all times. It needs to be periodically inspected, and any type of equipment malfunctions must be immediately addressed. If there is a temporary outage in operations, the cause has to be identified and addressed.

Maintaining emergency equipment and verifying that safety protocols are followed will greatly help to minimize the risks associated with heavy cargo shipping.

Marine Insurance

Common Provisions in Marina Contracts Boaters Should Know

When you buy a new boat, one thing you need to consider is storage and use. If you don’t have a dock, you may want to look at leasing space at a marina slip. Here are some things to know about marina slip contracts.

Liability Insurance

The insurance firm Merrimac Marine Insurance states that many marinas require liability insurance as part of their slip contracts. A minimum limit may be required for liability coverage. In addition, most marinas require the boat to be registered.

Use Rules

The contract likely has use rules such as boat operability. Some marinas include provisions for the number of times per year the boat must leave the slip. In fact, inoperable boats may not be allowed in some marinas.

Additional Fees

Not everything is likely to be included in the rental price. You may have to pay additional fees or line items as part of the contract not listed as the rental price. There may be fees for late-payments or early cancellation.

Termination Clauses

Most contracts include termination clauses. A common one is that if you fail to follow the rules, the marina can cancel the contract.

Understanding marina slip contracts can ensure you know exactly what you are paying for. The last thing you want is to face a fee you didn’t realize you would pay. A good contract is for the benefit of the marina and boaters.

U.S. Risk

Preventing Common Welding Injuries

Up until now, science has not found a way to join two pieces of metal without using a lot of heat at the meeting point. That leaves welders exposed to potentially dangerous hazards, including electric shock, toxic fumes, explosions, and more. So, how would you prevent welding-related injuries?

Avoiding Electric Shock

Electric shock can lead to severe injury or death from the current itself or the fall that comes as a reaction. To minimize this risk, workers should do the following:

  • Wear dry gloves that are in good condition
  • Use protection when touching the electrode or bare metal parts
  • Repair insulation before use
  • Ground safely
  • Get basic training

Averting Arc Radiation and Welder’s Flash

Welder’s flash and arch radiation are some of the most common metalwork injuries. While both situations might not be fatal, pain in the eyes and burnt skin will cause discomfort and inevitable downtime. Using a welding hood with the right lens protects your eyes from the “bright lights,” and a welding overall should minimize UV exposure.

This piece is not by any chance exhaustive; there’s a lot more that could go wrong in a metal project. In fact, over 60 people die every year due to welding-related accidents in the US alone, as reported by U.S. Risk. That makes this safety discussion more crucial than ever.

boat fuel vent

Top Reasons to Properly Vent a Boat

The boat fuel vent is an essential component of any vessel operating with a fuel source. Properly installing these vents helps lower a repairer or manufacturer’s liability for the vessel. Here are the top reasons to properly vent the boat’s fuel system.

Water Entry

Since boats travel on water, the fuel vent can allow water in if not properly installed. There are a few ways to limit water from entering the fuel such as a high mount, angling the vent or installing a shield. As seen on, following the proper installation steps is important to limit liability.

Fuel Puddling

Sags in the vent line can cause puddling of fuel. The fuel tank vent system cannot operate effectively if there is fuel puddled in the line. Keeping the line straight uses gravity to move fuel back toward the tank.

Wire Screens

A clogged screen prevents the tank from properly venting. The screen keeps out unwanted items such as debris and insects, but they can also build up with grime, corrosion and salt crystals. Cleaning the screen or replacing it during the installation of the fuel vent system allows for proper ventilation.

The boat fuel vent is a key component of the boat’s engine. When it fails to work properly, the engine can be starved of fuel or prevent you from properly filling up the gas tank.

marine repairer insurance program

Unique Risks in Boat Repair You May Not Think About

If you have a boat repair service, you likely understand the many aspects and complexities involved in your business. For those reasons alone, it’s easy to see why a general liability policy is likely to struggle to cover all the possible risks that you may face. However, if you are still unconvinced to seek out a marine repairer insurance program with a knowledge and understanding of your situation to fully protect your business, then here are some current liabilities in boat repair that many general liability policies don’t cover.

Bad Weather

Even in rather intense storms, many businesses don’t see much damage done to theirs or someone else’s property. However, boat repairers are on the water, likely with equipment and many boats at the docks in their care. Winds and rain can cause severe changes in the tides and waves, leading to damage. A marine repairer insurance program can have coverage for these situations, while general liability likely cannot.


While boats may be surrounded by water, fire is the most common case of loss when it comes to the boating industry. Engines, machinery, electronics and more can all cause fire on the dock and within the cabin, leading to much damage in a short amount of time.

Distant Repair

Some services for boats have the option to travel out for repairs. Many property damage policies only cover anything at the address of the office, but marine repairer insurance program can extend the coverage for these distant repairs, as well as the vehicles for travel.

Independent insurance agents of CT

When It Is Time To Change Insurance Agents

At some point, you may become unhappy with your current insurance agent or company. But how do you know when you should make the switch? Independent insurance agents of CT may offer the perfect combination of both insurance coverage and customer service.


Sometimes moving can cause your current insurance agent to become irrelevant. They may not have the licenses to work in your new state. Or you bought a home and they only offer renters insurance but not homeowners insurance.

Customer Service

Terrible customer service is a primary motivator for people to move on from their current agent. Reading testimonials and asking around for referrals can help you find a new agent with better customer service that you can rely on.


There are times when personalities clash and continuing the relationship is no longer beneficial to either of you. When searching for a new agent, meet them before signing anything. Go with your gut, so you can avoid future personality conflicts.


If you have to file a claim, you need your insurance agent to be on top of their game. An unavailable agent is no use to you.

Changing insurance providers doesn’t have to be a hassle. Finding independent insurance agents of CT starts with referrals from loved ones or testimonials online. Make sure the new agent offers the insurance coverage you need.

marine repairer insurance program

Common Types of Marine Vessel Repairs

Marine vessel repairing is a skilled art that requires a variety of specialized labor. The vessel not only needs to look good, but it needs to functional well after the repairs are complete. Investing in a marine repairer insurance program can protect the financial assets of your business as your repair or maintain marine vessels. Common repairs often require specialized skills in these key areas.


With modern technology constantly changing, even boats are not immune to having outdated technology on board. Upgrading and repairing the electrical system or devices on a vessel takes a skilled marine electrician to handle correctly.


Most ships and boats have some sort of wood comprising either the entire vessel or interior trim. Working with wood requires a steady hand and experience with carpentry.


Knicks, cracks and repainting require the skills of an experienced painter. Specializing in marine vessels means a painter can work on fiberglass, wood and metal.


The vessel’s engine works similarly to an automotive engine but is different. A skilled hand with the mechanics of a boat engine and working knowledge of common repairs needed is essential to an efficient, correct repair.

Your team of skilled professionals or your independent contractor benefits from a marine repairer insurance program. Insurance protects the business owner in the event a lawsuit is filed resulting in financial loss for the client.

truck cargo insurance providers

Extending Your Liability Coverage to Freight

If you are a commercial load hauler, you are already familiar with the insurance requirements established by the FMCSA. General liability limits include coverage for property damage, bodily injury and environmental restoration. For more comprehensive attention to your actual load liability, truck cargo insurance providers will tell you about the need for cargo coverage.

With cargo insurance, your freight or load in transit is covered in case of incidents involving fire, collision, theft or striking a load during loading or unloading activities. Some of the policies will also be written to address costs incurred for cleanup up of loads that have spilled. This means paying for costs to firefighting or hazard teams sent to contain a situation.

When you get ready to talk to truck cargo insurance providers, you will need to have an idea of how much coverage you want. This should take into account the types of loads you often haul, as you get to determine the limits and deductibles you want to set.

Cargo insurance isn’t available for all loads. Some of the categories often excluded include:

  • Live animals
  • Jewelry
  • Art
  • Explosive or radioactive materials
  • Contraband
  • Pharmaceuticals

Check with your broker about items that qualify for coverage. Ensure that your freight is protected during all incidents. It is better to err on the side of caution with both driving and administrative actions.

Orlando workers compensation insurance

Workers Compensation: What It Covers and What Are The Requirements?

Are you looking for Orlando workers compensation insurance? Before you sign up for a new policy, here is what you should know about what it entails and the coverage requirements that are applicable to the state of Florida.

What Does It Cover?

Workers compensation protects you and your employees in case one of them becomes ill or suffers an injury because of work-related activity. Not only will your policy cover the medical costs associated with the incident, but it will also cover rehab expenses and pay for lost wages while he or she is out of the office. In case of death, your policy can make payments for which you’re liable to the employee’s beneficiaries.

What Are The Governing Laws?

The laws for workers compensation vary by state. Some states require that you carry workers compensation as soon as you have one employee while others have more lenient requirements. For Florida, the requirements vary depending on your industry.

Construction: coverage is required starting with your first employee, including the owners.
Non-construction: coverage is required starting with the fourth employee, not including sole proprietors or partners in a partnership.
Agricultural: coverage is required when you reach six regular employees or 12 seasonal employees who work at least 30 days in a season and up to 45 days in a year.

There are other guidelines that pertain to how contractors and out-of-state employers are handled. Work with an agent experienced with Orlando workers compensation insurance to craft a policy that meets your needs and the local requirements.