10 Boating Tips for Your 4th of July Weekend

Nothing says peak summer like the 4^th of July. However, July has historically been the most dangerous month for boating accidents. Whether you are dusting off the water skis, taking the grandkids out for a cruise, or searching the skies for fireworks, here’s how to keep safety top of mind while you are out in your boat.

1. Slow Down on the Water

A common factor in boating accidents and fatalities? Excessive speed. Holidays like the 4^th of July bring increased boat traffic. If you are driving a boat, you need to remain alert. Operating at a slower speed will give you more time to react.

2. Bring Plenty of Life Jackets

You should have a U.S. Coast Guard Approved life jacket, or personal flotation device, for everyone onboard your boat. Research your local laws on personal flotation devices. There are many different types of life jackets, from ones designed for rough, open waters to ones designed for water sports. Be sure that the ones you choose are appropriate for the activities you have planned for the day.

3. Don’t Drink and Operate a Boat

Boating under the influence is not only illegal, but also extremely risky. Make a plan to designate a sober operator for all times that your boat is on the water.

4. Check Local Fireworks Rules

Heading out on the water to watch the fireworks? Be sure to look up restrictions and viewing areas ahead of time.

5. Know What Buoys and Markers Mean

Take time to learn the rules of the waterway, from Markers to right-of-way.

6. Headed out for the Day? Stay Hydrated

Pack enough water for everyone on board. Know the signs of heat illness, and take shade breaks if you can.

Don’t forget to pack emergency equipment like a first aid kit and a fire extinguisher.

7. Check Your Lights

Even if you don’t plan on staying out until after dark, check that your boat’s required navigation lights are working properly. If you do stay out after dark, be extra cautious and alert for boats that may not have lights.

8. Check the Weather Before Departing

Before you make plans to leave the dock, check the weather. Bring a radio with you to stay up to date on any changes, and look for signs like storm clouds that may signal a weather change.

9. Designate a Spotter for Water Sports

From water skiing to tubing, water sports can be a fun activity. Keep it fun by designating a spotter who will ride in the boat and communicate between the boat operator and the person being towed behind the boat. Agree what hand signals will be used.

Limiting water sports to daylight hours is a wise approach.

10. Limit Distractions

Don’t let your smartphone take your focus from the water. Stay focused and alert, and save texting or sharing videos for the shore.

Insurance for Your Boat

Depending on what state you live in, you may or may not legally be required to have boat insurance. However, if you finance your boat or are storing it at a marina, they may require proof of insurance. Policies vary, but typically boat insurance covers a number of situations and incidents, including:

• Collision
• Boat Accessories
• Fire
• Theft

To see what your boat insurance policy covers, you should carefully review it with your local insurance agent. At Cross Insurance, we work with over 100 different carriers, from national names to local companies. Whether you are looking to insure your pontoon boat, fishing boat, sailboat, or another type of watercraft, our team can help find options for you.

 

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.