Here in the northeast, harbors have filled up once again, as many clients are in the midst of a yearly ritual - spring commissioning or the di-winterizing and prep for the launching of a boat into now hospitable waters. Consider it the tuning and toning of one of your client's passions. The insurance protection of the vessel needs to be part and parcel and clients will say your timing is perfect. Here's a primer for the conversation.
Improvements or custom additions made over the winter months should be accounted for in the boat's current market value as reflected in the policy, especially if agreed value coverage is in place.
Point out the deductible that may apply to the client, so there are no surprises if there is a claim. Make sure the boat appears on the excess liability policy and that the underlying limits of the watercraft policy line up.
Take an interest in cruising plans and find out the waters to be navigated during this year's boating season. Confirm that their need is consistent with last year's navigational limits and that the timing of planned trips does not conflict with any lay-up warranties on the insurance policy.
Ask about changes in captain and any family members who may now be age appropriate to operate the boat.
Lastly, be an advocate for safety on the water - from recommending boat safety courses to making sure there is enough US coast guard approved life jackets for all guests onboard.