Boat safety tips you don't want to miss

The PNW’s boating season is here, and National Safe Boating Week in May is a good reminder: a safe start helps you avoid problems later. 

Whether you’re heading out for the first time this season or maintaining a boat you’ve had for years, a few simple checks can go a long way in preventing accidents and breakdowns. 

At PEMCO, we’re all about prevention, because the best boating stories don’t involve repairs, delays, or injuries. 

Start with a preseason check-up 

Before your first trip, take time to make sure your boat is ready for the water. A preseason inspection can help prevent common issues like engine failure, electrical problems, or safety equipment that doesn’t work when you need it. 

At a minimum, plan to: 

• Inspect your engine, battery, and fuel system 
• Check bilge pumps and drains 
• Look for worn hoses, loose connections, or corrosion 
• Test navigation lights and electronics 

If you’re unsure, consider having a marine mechanic take a look. Catching small issues early is often far less expensive than dealing with a breakdown or a tow on the water. 

Safety checks that help prevent common claims 

Beyond the basics, these often-overlooked steps can help reduce risk for some of the most common boating claims: 

1. Make sure operators are properly trained 

Both Washington and Oregon require many boaters to complete a boating safety course, and for good reason. Inexperience is a factor in many accidents. Additionally, like driving a car, there are “rules of the road” or navigation rules that apply to boats. 

A safety course helps you understand navigation rules, avoid collisions, and what to do in an emergency. It may also qualify you for a discount on your boat insurance. 

2. Inspect and replace life jackets 

Life jackets work best if they fit and function properly. 

Check for: 

• Proper sizing (especially for growing kids) 
• Tears, mildew, or damaged straps 
• Enough life jackets for every passenger 

Worn or ill-fitting life jackets can increase the severity of injuries in an accident—something no one wants to face. 

3. Refresh your onboard emergency supplies 

Your boat’s first aid and emergency kit should be ready for more than just a day trip. 

Make sure you have: 

• Up-to-date first aid supplies and medications 
• Extra prescriptions and motion sickness remedies 
• Fire extinguisher in working order (gauge in the green) 
• Functional smoke and carbon monoxide detectors 

These basics can make a big difference if something unexpected happens—and help prevent situations from becoming emergencies. 

4. Keep your communication devices powered 

Your phone is one of your most important safety tools. 

Bring a backup charger, and if you regularly travel beyond cell coverage, consider a VHF radio. Being able to call for help quickly can make all the difference in the case of a breakdown or other emergency. 

5. Prepare for changing conditions 

Weather and water conditions can shift quickly in the PNW. 

Before heading out: 

• Check forecasts and tides 
• Pack sun protection, rain gear, and extra layers 
• Make sure visibility gear (like lights and signals) is working 

Planning ahead can help prevent accidents related to visibility, fatigue, or exposure. 

How insurance fits in, and where gaps can happen 

Boat insurance isn’t required in Washington or Oregon but skipping it can put you at serious financial risk. 

Many boat-related losses we see come from situations like: 

• Collisions with other boats or docks 
• Collisions with debris in the water 
• Storm damage while moored 
• Theft or vandalism 
• Injuries where you may be held responsible 

While homeowners or renters insurance may offer limited protection, it’s often not enough for full coverage—and may have restrictions based on boat size, motor power, or type of watercraft. 

What boat insurance can help protect 

A typical boat policy works a bit like a combination of auto and home insurance, covering: 

• Physical damage to your boat, motor, and trailer 
• Liability if you’re responsible for injury or damage 
• Personal property and gear (if selected) 

At PEMCO, our Mariner Policy uses agreed-value coverage, so if your boat is totaled or stolen, your payout is based on the value you selected when your policy started, not reduced for depreciation. 

Coverages (some optional, some required) can also help protect against: 

• Underinsured or uninsured boaters 
• Medical expenses for passengers 
• Mechanical breakdowns or emergency towing 
• Damage or loss of gear and personal items 

Prevention first, on and off the water 

Insurance is there for big, unexpected events. But the goal is to avoid those situations altogether.  

Taking a little time at the start of the season—and before each outing—can help you: 

• Avoid preventable accidents 
• Reduce breakdown risks 
• Protect your passengers and your investment 
• Keep your boating season on track 

A safer season starts with simple steps 

Boating in the Pacific Northwest offers some of the best views and experiences you can find. A little preparation helps make sure your time on the water stays focused on that, not on avoidable setbacks. 

For more ways to stay safe and protect your boat, talk with a PEMCO agent or explore coverage options that fit how you use your boat at 1-800-467-3626.