Jun 10, 2017 Navigational Limits

We have been waiting a long time for the nice weather to arrive and hopefully we are turning a corner on all of this rain ─ and only have sunshine in the future. Even with the delay to spring, most people now have their boats in the water. This means that it’s time to think about reviewing your boat insurance. If you have your boat are at your cottage or campground and pretty much never leave the area, than you are likely within your navigational limits. What are Navigational Limits you might ask? The simple answer is they explain where insureds can and cannot take their property. Your broker should have made sure to have you covered in the proper area when your policy…

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May 11, 2017 Sometimes Things are just Better Apart!

Sometimes things are better together: Peanut Butter and… Milk and… Turkey and… Well you get the idea. But other times things are better apart: Peanut Butter and… Salami? Milk and… Beet Juice? Turkey and…Motor Oil?…ok, that’s kinda weird…. But hopefully you get the point I am trying to make. Some things are better together and some things should just be kept apart. When reviewing coverage for a potential new client, I was thinking about how this also applies when it comes to insurance. Although there may be times that it makes sense… most of the time it is smarter to keep your trailer insurance and your boat insurance separate from your house insurance. Obviously every situation is different and you need to speak with…

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Feb 17, 2017 The Ottawa Boat Show is Right Around the Corner

Updated: Feb, 15 2018 The Ottawa Boat Show is right around the corner. And like every year, many people are going to go and dream and some lucky individuals are actually going to fulfill those dreams and walk away with a new boat. Whether it is a 16’ fishing boat or a 28’ cruiser, the prospect of a new boat on the water this spring is exciting. For some, this is an upgrade, trading in the existing boat for something newer, faster, bigger and more expensive. For others, this is a first time purchase and a little bit daunting. Whether a first time boat or a replacement, you are going to need to insure this new baby. Here are some things to keep in…

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Oct 22, 2016 Oh…and I Have to Remember to Call and Cancel My Boat Insurance

ME: WHAT?!? Why are you cancelling? CLIENT: Well, it’s the fall and I can’t use my boat in the winter Just because your boat isn’t in the water, that doesn’t mean that things can’t go terribly wrong. Your boat could be stolen, the storage facility could catch on fire, rodents could damage it, the weight of snow and ice can wreak havoc ─ the list goes on. Proper boat insurance gives you so much more coverage than you may even realize. It is important to note that not all policies are created equal. Make sure you deal with a broker who knows boat insurance and who can protect you against the perils of winter. How sad would you be on that first beautiful day…

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Sep 17, 2016 The Crazy Fisherman Insurance Clause

Written by: Heather Bonadie Do you have the “Crazy Fisherman Insurance Clause”? This is definitely not a clause you will find written in any “official” boat insurance document. The fishermen that need the “Crazy Fisherman boat insurance clause” don’t think they are crazy, they just love fishing…. but is their loved fishing boat properly protected? Let me try to explain with a bit of analogy. Most people who are not passionate golfers, would think going out as soon as the courses open… or the last day before they close when snow flurries are flying around – would be crazy! Picture that golfing nut out there – barely able to hold their clubs because their fingers are frozen – just so they can get…

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