Boat/Watercraft Insurance

Pleasure Craft or Working Boat?

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Is your boat to be used for work or pleasure? Do you have a crew with nets to catch a mess of fish to sell, or will you troll and be happy if you catch one trophy fish or something to have for dinner? Do you take on paying passengers or just a few friends and family? This can affect your insurance. After all, it’s not just you and your property that’s become a liability but your entire livelihood.

Insurance and the Working Boat

Do you have paid crew members? Under the Jones Act and General Maritime Law, you are required to have a policy that covers your liability to the crew. Preferably, this policy should deliver distinct coverage for your liability as per the Federal Longshore and Harbor Workers’ Compensation Act. If they are injured on board your boat, this will fully cover your statutory liability to any shore-based workers on a temporary hire. Do you charter your boat or carry paying passengers? If so, many boat policies will exclude coverage in that case. If the circumstances are right, an upstanding insurance company might extend your coverage. It never hurts to ask. Don’t forget to find out if your policy has enough coverage for medical payments.

Contact Kinowski Agency Inc. in Amsterdam, NY

The rivers and canals surrounding Amsterdam, NY can be a pleasure to travel. It’s not a bad way to make a living, either! Whatever you do with your boat, you need to get it insured. If you’re in the boat insurance market, please get in touch with the Kinowski Agency Inc. We will put you in contact with a knowledgeable agent dedicated to helping you find the policy you need.

Why liability coverage is an important part of your boat policy

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If you own a watercraft in Amsterdam, NY, or the surrounding communities, the folks at the Kinowski Agency Inc. are here to help you protect it. Owning a boat comes with a lot of responsibility, and having a policy with appropriate liability protection is important. Our team is here to help you ensure you have the protection you need both on and off the water. Contact our team today to find out more.

Now’s the time to make sure you have the liability protection you need

Boat mishaps aren’t uncommon, and if your boat is involved in one, you’ll want to make sure you have the protection you need. Most boat owners take advantage of being out on the water with their friends and family, enjoying time together. When your boat is carrying passengers, the need for liability protection is even more important.

The right liability coverage can often protect you from personal financial responsibility if your boat is involved in an accident or mishap that includes damage to your boat, another vessel, or someone’s property or that causes injuries. Without robust liability coverage as part of your policy, it can be possible for you to have to pay for these losses and damages yourself.

The next step is to sit down with your local insurance agent to review your current policy and confirm that it meets your current and future needs and that you have the right policy in place. 

You can rely on us for all your boat insurance needs

The Kinowski Agency Inc. team is here to help all the boat owners in the greater Amsterdam, NY, area protect their vessels. Give us a call or stop by our office today to find out more!

Does everyone in New York need to have boat insurance?

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Being a boat owner in the Amsterdam, NY area is a dream for many people. Those with a boat in this area can enjoy all of the great local lakes and waterways throughout the summer months of the year. When you do buy a boat, you will want to know that you get proper insurance as well.

There are a lot of reasons to get this type of insurance here:

Coverage For Your Boat

A reason that all people here need to get a boat insurance plan is so they can properly cover their boat. There is a big investment required when you are going to purchase a boat in this part of the state. An ideal way that you can protect your investment is by getting a boat insurance policy as it will give coverage in the event you need to replace or repair the boat due to theft, damage, or other types of loss. 

Reduce Liability Risks

Being liable for an accident that occurs on the water is a recurring risk faced by boat owners. If this does occur, you will need to cover any damages that arise from the collision. As this can be significant, insuring against the risk with a boat insurance policy is necessary. When you get a boat insurance policy, it will provide support to ensure you are able to cover these costs.

Reach Out To Us

It is ideal for anyone in the Amsterdam, NY area to carry boat insurance as long as they own the watercraft. When you are trying to get this insurance coverage, it would be a great idea to call our team with Kinowski Agency Inc. There are a lot of great options to consider when looking for this coverage, and our team with Kinowski Agency Inc. can help you build a new policy. 

Does it make sense to add at-sea towing coverage to your boat policy?

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Amsterdam, NY area boat owners can rely on the team at Kinowski Agency Inc. We are here to answer any questions that you may have and help you find a comprehensive boat policy that meets your needs. Give us a call today!

Benefits of at-sea towing coverage

No one wants to be stranded out at sea, but it is a reality for any boat owners who venture into open water. Even if you are close to shore, having an engine breakdown is no fun at all. There are a number of different situations where it is necessary to call for an at-sea towing service.

While necessary, these services are often very expensive. Many boat owners find it advisable to make sure that their boat policies include coverage for at-sea towing services. This add-on feature can help you avoid excessive out-of-pocket expenses when you need towing services.

Safety at sea is every boat owner’s number one priority. Having a breakdown or other mechanical difficulty at sea is not just inconvenient, it can also represent a serious safety risk. Before you head out on your next adventure, be sure that your current boat insurance policy provides the coverage and protection that you need.

Contact our office today

The Kinowski Agency Inc. team is proud to serve the insurance needs of the greater Amsterdam, NY community. If you are ready to upgrade your boat policy, we are here for you. Stop by our office or give us a call today to find out more about the boat insurance policy options that are available in our area.