USG Promotes O’Brien to Branch Manager in California

USG has promoted Jenny O’Brien to branch manager in its Irvine, Calif. office.

O’Brien will continue to develop USG’s California territory while managing the Irvine branch office.

She was formerly a production manager. O’Brien started with USG in 2012 as producer/broker and was promoted to production manager in 2014

Jenny O’Brien

USG has 21 locations and four subsidiaries; USG Insurance Services Inc. a national wholesaler/MGA; Brokers Financial Services, a premium finance company; Allied American Underwriters, the specialty division of USG; and Innovations, a marketing, advertising and technology provider for the industry.

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Posted by Insurance - 08/18/2018 at 19:40

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Woodruff-Sawyer in California Names Berry Leader of Private Equity and Venture Capital Group

Woodruff-Sawyer & Co. has named Dan Berry leader of the firm’s private equity and venture capital group.

Berry is a senior vice president and partner in Woodruff-Sawyer.

He joined the firm in 2011 and has specialized in the risk management and insurance needs of private equity and venture capital firms and their portfolio companies since.

Don Berry

Woodruff-Sawyer has offices throughout California, and in Oregon, Washington, Colorado, Hawaii and New England.

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Posted by Insurance - 08/18/2018 at 19:40

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Wildfires Ravage California’s Iconic Wine Country Region

Wildfires that tore through northern California’s iconic wine-growing regions have prompted evacuations of more than 20,000 people, killed 11 and damaged some of the most valuable vineyards and wineries in the U.S.

Blazes are sweeping through one of the state’s most scenic and treasured destinations, threatening the livelihoods of tens of thousands of people. California’s wine industry drew 23.6 million tourists and sold $34.1 billion in retail value in the U.S. in 2016, according to the Wine Institute. The Napa and Sonoma Valleys are where the highest-end wine in the state is produced.

“We are all in shock and trying to help our fellow growers and neighbors where we can,” said Heidi Soldinger, a spokeswoman for Napa Valley Grapegrowers.

In the last 24 hours, winds fanned 17 fires across the northern part of the state, burning more than 115,000 acres, according to the California Department of Forestry and Fire Protection. About 1,500 commercial, residential and industrial structures were burned, and damage assessment teams have started accounting for the destruction. Governor Edmund Brown declared a state of emergency in Napa, Sonoma and Yuba counties.

The harvest in Sonoma and Napa counties is mostly finished, said Daniel Sumner, an agricultural professor at the University of California at Davis. Still, fires can damage grapes yet to be collected and can also destroy vines and wineries, he said.

“It’s bound to be a significant and substantial impact on the high-quality wine industry,” Sumner said.

Jennifer Putnam, chief executive officer of the Napa Valley Grapegrowers, said 80 percent of the county’s crop has been harvested. How long smoke lingers will help determine whether grapes on the vine are tainted, she said.

“This was going to be a big week,” she said. “A lot of the fruit still hanging is high quality cabernet.”

In Sonoma, about 90 percent of the crop has been harvested, though some winegrapes were scheduled to be picked in the next 10 days, according to Karissa Kruse, president of Sonoma County Winegrowers. Reports of fire damage to wineries, businesses and homes are mounting. About 6 percent of Sonoma’s 1 million acres is grapes, Kruse said.

Constellation Brands Shuts Napa Wine Tasting Rooms as Fires Rage

While Sonoma and Napa produce about 10 percent of California’s wines, it’s the most valuable region in the country, said Stephen Rannekleiv, a beverage analyst at Rabobank International. Most grapes in the state are grown in the San Joaquin Valley, where cabernet sauvignon grapes go for about $400 a ton. The same fruit from Napa Valley usually costs closer to $7,000 a ton, and can sell for as much as $50,000. High-end wines are driving demand growth in the U.S., with bottles priced over $10 seeing the biggest gains, Rannekleiv said.

“That’s why it’s so devastating — so much of the value is created there, and incredible investment has gone in there,” Rannekleiv said by telephone. “It’s the face of the California wine industry.”

Pictures flooded social media showing burned-down buildings in the region. Paradise Ridge Winery in Santa Rosa was among those that burned down, according to a Facebook post. Signorello Estates burned as well, according to the Sonoma Valley Vintners & Growers Alliance.

Fires tripped several high-voltage power lines leaving tens of thousands without electricity, according to PG&E Corp.

The French Laundry, a three-Michelin star restaurant, shuttered Monday due to power outages, according to the restaurant’s Twitter account. Spirits maker Constellation Brands Inc. closed its tasting rooms as well, including at Robert Mondavi Winery. Phone lines at some of the region’s other famous producers were out of commission Monday afternoon, including Whitehall Lane Winery and Martinelli Winery.

Even in vineyards where all the grapes have been collected, there’s the possibility of fire damage to the vines themselves, said Jess Koehler, co-owner of La Finquita Winery in Ramona, outside of San Diego in Southern California.

“It takes at least three years minimum to get a crop that you can actually do something with — the more mature the vine gets, the higher quality the grapes, the higher quality the wines,” Koehler said. “It could have a real long-lasting impact for everybody up there.”

In 2008, smoke from smoldering wildfires in Mendocino County contaminated crops of pinot noir grapes, said Bill Pauli, a grower and general partner of Yokayo Wine Co. in Ukiah, California.

“Some wines had the odor of someone who had been standing next to a barbecue,” Pauli said in a telephone interview. “It was not a good situation and we all hope it doesn’t happen again.”

Sonoma County Winegrowers estimates that 90 percent of the county’s crop has already been harvested, but there are still winegrapes that were scheduled to be picked in the next 10 days, according to Karissa Kruse, president of the group. Damages are still being assessed, and reports of fire damage to wineries, businesses and homes are mounting. Sonoma has about 1 million acres, and 6 percent of that is grapes, Kruse said.

Even in vineyards where all the grapes have been collected, there’s the possibility of fire damage to the vines themselves, said Jess Koehler, co-owner of La Finquita Winery in Ramona, outside of San Diego in Southern California.

“It takes at least three years minimum to get a crop that you can actually do something with — the more mature the vine gets, the higher quality the grapes, the higher quality the wines,” Koehler said. “It could have a real long-lasting impact for everybody up there.”

Some vintners don’t have details about damage because they’ve been evacuated and can’t yet return to their properties, Rannekleiv of Rabobank said. While anything in tanks should be safe as long as the winery isn’t affected, crops that haven’t been harvested are at risk of both burning and smoke taint, which affects flavor.

“Anything left on the vine is at risk of being damaged by the smoke,” Koehler of La Finquita Winery said. “It’s going to be a waiting game to see, when it’s all said and done, what the impact is, but we’re not just talking about the vines. It’s going to be barrels upon barrels of wine, several years old, all their bottle stock. It could completely take them out for years.”

In 2008, smoke from smoldering wildfires in Mendocino County contaminated crops of pinot noir grapes, said Bill Pauli, a grower and general partner of Yokayo Wine Co. in Ukiah, California.

“Some wines had the odor of someone who had been standing next to a barbecue,” Pauli said in a telephone interview. “It was not a good situation and we all hope it doesn’t happen again.”

Still, growers are optimistic that the region will come back from this disaster.

“Three years ago we had an earthquake and now things are back 100 percent,” said Michael Honig, who runs Honig Wine and the Napa Valley Vintners Association. “It certainly won’t be the demise of the wine community. We’ve always been very resilient as a community and farmers always come back.”

Copyright 2017 Bloomberg.

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Posted by Insurance - 08/15/2018 at 19:40

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Marsh & McLennan Posts $256M Q4 Profit, Up 26% From Prior Year



“We are very pleased with our company’s performance, both for the fourth quarter, and for the entire year,” CEO Brian Duperreault said. “For the second consecutive year, we achieved double-digit growth in adjusted operating income. This growth was broad-based, with both our risk and insurance services and consulting segments generating double-digit growth in adjusted operating income.”

Marsh & McLennan had an investment loss of $4 million in the fourth quarter, compared with investment income of $19 million one year ago. For the 2011 full year, investment income was $9 million, down from $43 million in 2010.

Mercer’s revenue was up 3 percent to $940 million in the fourth quarter. Oliver Wyman’s revenue rose 2 percent to $406 million in the fourth quarter.

Consulting segment revenue rose 3 percent to $1.3 billion in the fourth quarter. Operating income was $147 million in the quarter, compared with $150 million in the prior year. For the 2011 full year, consulting segment revenue rose 9 percent from the prior year to $5.3 billion. Adjusted operating income rose 12 percent to $619 million.

Marsh’s revenue in the fourth quarter was $1.4 billion, up 6 percent from a year ago. International operations reported underlying revenue growth of 6 percent in the fourth quarter — reflecting growth of 9 percent in Asia Pacific, 8 percent in Latin America and 4 percent in EMEA. In the U.S./Canada division, underlying revenue grew 2 percent. In January 2012, Marsh completed its previously announced acquisition of the brokerage operations of Alexander Forbes in South Africa, Botswana and Namibia. Guy Carpenter’s fourth quarter revenue was $193 million, a 5 percent jump from one year ago.

Risk and insurance services revenue was up 6 percent to $1.6 billion in the fourth quarter. Operating income was $304 million for the quarter, up 35 percent compared to a year ago. Adjusted operating income in the quarter rose 11 percent to $288 million. For the year, risk and insurance services revenue was $6.3 billion, an increase of 9 percent from the prior year.

Consolidated revenue for the fourth quarter was $2.9 billion, a 4 percent jump from the year-ago period. Operating income for the quarter rose 20 percent to $391 million. The 2011 full-year revenue rose 9 percent to $11.5 billion. Operating income for the full year was $1.6 billion, up from $939 million in the prior year.

For the 2011 full year, Marsh & McLennan posted net income of $993 million, up 16 percent from 2010 when it reported $855 million net income.
Marsh & McLennan Companies reported $256 million for its 2011 fourth-quarter net profit, up 26.1 percent from one year ago when it posted $203 million profit.

Posted by Insurance - 08/14/2018 at 16:52

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Appalachian Provides Umbrella Quotes for Demotech Rated Carriers



Demotech is a Columbus, Ohio-based financial analysis firm that offers services to property and casualty insurance companies, title underwriters and specialty insurance markets.

The Oak Ridge, Tenn.-based Appalachian Underwriters, Inc. is a full-service MGA and wholesale insurance brokerage, providing independent agents a national outlet to multiple specialized markets for workers’ compensation, commercial specialty and personal lines.

Stroom also said that this helps move the acceptance of FSRs to a whole new level within the industry.

“Being able to partner with Demotech and have our products and services made available to their client carriers is a tremendous opportunity,” said Tagge Stroom, director of personal lines at Appalachian. “Our solutions are designed to meet the needs of the independent agency base.”

Quotes will be available for preferred, standard and higher-risk umbrellas with limits up to $10 million in most instances. Producers of carriers rated A or better by Demotech can access the countrywide personal umbrella program by visiting Appalachian’s XpressUmbrella website or calling the company.
Insurers earning a financial stability rating of A or better from Demotech are now eligible for standalone personal umbrella insurance quotes from Appalachian Underwriters.

Posted by Insurance - 08/14/2018 at 16:52

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XL Group Launches Product for Construction Equipment



XL’s North American construction team is based in New York.

The product eliminates the need for contractors that do not have real property to insure to purchase a separate property policy. It is offered on a primary or excess basis, admitted or nonadmitted basis, 100 percent interest or participant on a quota share basis.

Another key feature is coverage for property that supports a business such as computers, data and media, valuable papers and records, tenant’s betterments and improvements, office furniture and supplies and other business personal property.

XL is also offering an escalation clause for total losses designed to provide coverage for attachments and betterments and improvements to the equipment, voluntary parting, a reimbursement for returning stolen property, unintentional errors and omissions and transporting property of others.

The new product has few exclusions and offers adjustable limits, valuation and coinsurance options, allowing XL to tailor solutions for contractors of any size or type. Extensions such as contract penalty and rental expense coverage are included.

“Whether it’s a backhoe or computer, contractors rely on diverse equipment to support their business and see their projects to completion,” said Rich DeSimone, president of XL’s North America Ocean and Inland Marine underwriting unit. “Our new contractor’s equipment policy provides broad coverage, and is supported by XL’s experienced and industry-specific inland marine underwriting and claims experts.”
The marine insurance unit of XL Group has unveiled Contractor’s Equipment Coverage Solutions, a package designed to protect the equipment of general building, infrastructure and specialty contractors.

Posted by Insurance - 08/14/2018 at 16:52

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41 Senators Urge Action on Flood Insurance Reform





“In addition to its enormous impact on people and property, the National Flood Insurance Program also has a tremendous impact on how Americans develop open spaces,” said Larry Schweiger, president and CEO of the National Wildlife Federation, another member of SmarterSafer. “With the reforms in both the Senate and House bills, we expect this program will begin to protect some of our most important wildlife habitat, the animals dependent upon them and the waters that touch them.”

“For more than 40 years taxpayers have been on the hook to foot the bill high risk subsidized development,” Ryan Alexander, the president of Taxpayers for Common Sense, a member of the SmarterSafer.org coalition. “Even after the inevitable flood waters receded the subsidies remained. Flood insurance reform would move the program toward rates commensurate with risk and give taxpayers greater assurance that their pocket wasn’t going to be picked to pay for someone else’s decisions.”

SmarterSafer.org, a coalition of taxpayer, business and environmental groups, has also been pushing for flood insurance reform.

“This strong, bipartisan support in the Senate underscores the sense of urgency for passing a long-term solution for the National Flood Insurance Program,” said Ben McKay, senior vice president of federal government relations for PCI. “Millions of American home and business owners rely on flood insurance in every state. This is not just a coastal concern.”

Insurers have joined the call for action.

In December, Vitter successfully worked to pass through the Senate his bill to extend the National Flood Insurance Program through May 31, 2012.

“It would be a huge disservice to homebuyers to allow the NFIP to lapse again, as Congress allowed it to do four times for a total of 53 days last year,” Vitter said. “Each time the NFIP approaches its expiration date it causes a great deal of turmoil in the housing market because of the uncertainty surrounding the program, and we can easily prevent this from happening. Our bill has broad bipartisan support and is certainly within reach of passing the Senate.”

Since 2008, the NFIP has been extended through a series of short-term measures. The program expired four times in 2010 resulting in lapses totaling 53 days. Those program lapses resulted in the delay or cancellation of more than 1,400 home closings per day, further damaging an already fragile housing market, according to Tester and Vitter.

“We believe that passage of a comprehensive, bipartisan flood reauthorization bill is within reach, and we respectfully urge you to schedule such a debate,” said the letter from the 41 senators.

The Senate Banking Committee last September reported out a bill that has bipartisan support and is currently awaiting floor action.

The House of Representatives passed its version of a long-term reauthorization on July 12, by a vote of 406-22.

The NFIP is currently set to expire on May 31, 2012. Pending legislation would extend it for five years and initiate financial reforms of the debt-ridden program.

U.S. Sen. David Vitter, R-La., and Jon Tester, D-Mont., sent the letter to Senate Majority Leader Harry Reid and Minority Leader Mitch McConnell urging them to bring legislation to fully extend the National Flood Insurance Program (NFIP) to the floor for debate and passage.
Forty-one U.S. senators from both parties have signed a letter urging the Senate to schedule a vote on legislation to reform and extend the federal flood insurance program “as expeditiously as possible in February or very soon thereafter.”

Posted by Insurance - 08/14/2018 at 16:52

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Norman-Spencer Takes AquaPac Program Nationwide



The Dayton, Ohio-based Norman-Spencer Agency has covered marine risks for more than 30 years. AquaPac was originally launched in 1981 by Westmar Insurance Services, which has been a part of Norman-Spencer since 2008.

The program also includes the FishOn Insurance Program, which is now available nationwide, too. This provides total loss coverage, broad protection for tackle, repair guarantee, rental and tournament reimbursement, and broad emergency services and towing for fishermen.

“We’re building on the tremendous success that AquaPac has had over the last 30 years in the west coast market,” said Paul Sexton, National Boat/Yacht Director for Norman-Spencer’s Marine Insurance Services division. “We’re excited to launch the program coast to coast and also provide vast product, policy and pricing upgrades in the process.”

The program offers broad coverage for boats ranging from personal watercraft to large sail and power yachts. It is the endorsed product of the Marine Retailers Association of the Americas.
The Norman-Spencer Agency will make its AquaPac Boat/Yacht Insurance Program available to boat owners, boat dealers and insurance agents nationally on March 1.

Posted by Insurance - 08/14/2018 at 16:52

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Wall Street Fights Back vs. Expert Witness in Lawsuits





McCann, in the meantime, is hanging on to the few bright moments in otherwise dark time. “While we’ve been seriously harmed by what’s happened, there’s no doubt we’ll succeed and prosper in the long run.”

So far, it has been difficult because the ruling was made in a case in which McCann was merely a witness. McCann’s initial attempt at an emergency appeal was denied because he was not officially a party to the case between Morgan Keegan and the investors. He is awaiting another ruling from a district court that, if granted, would allow him to challenge the opinion.

Despite these victories, the federal judge’s ruling that deems his testimony fraudulent is still on record for all to see – and distort. McCann’s lawyers continue to slog through federal court in pursuit of a new decision that would undo the findings made by Judge Hughes.

The Merrill case is one of six since October in which lawyers fiercely, but unsuccessfully, tried to undermine McCann’s integrity, he said. The only other case among them that has concluded also ended with a win for the investor.

While rules prevent statements in arbitration awards from influencing other arbitration panels, this one may at least prompt some lawyers to question the value of the federal court opinion in their ongoing efforts to discredit McCann.

McCann’s testimony, in a face-off against a Harvard Law School professor, led to a loss for Merrill, which was required to fully reimburse the investor $1.4 million.

The FINRA panel, in an unusual move, even mentioned its denial, and McCann’s name, in a written ruling. FINRA arbitration awards typically do not include reasons for a decision and statements about rulings on testimony are extremely rare, say lawyers. A Merrill spokesman declined to comment.

Most recent among them: a Financial Industry Regulatory Authority arbitration panel denied a request by Bank of America’s Merrill Lynch unit to disqualify McCann after the brokerage’s lawyers raised concerns about the federal judge’s opinion.

That fact is not lost on arbitration panels or judges handling investor cases against brokerages. Despite the onslaught of efforts to discredit McCann since the federal finding, McCann has begun to see subtle victories.

The 51-year-old father of four launched his company in 2000 and built it upon a reputation of being “scrupulously honest,” he said. “I certainly have not been in a position to have given an attorney on the other side any plausible reason to question my honesty or integrity,” he said.

“I thought (it) was the worst day of my professional life. But I had many more that were equally as bad in October and November,” McCann told Reuters. He had to lay off three employees and leave vacant four other positions, turning his usual 22-person firm into a company of 15 people. Some laid-off employees had young children, a fact that torments him , he said.

The personal toll was also immediate. Revenue at his business dropped by half as word traveled about the opinion.

REPUTATIONAL HAZARDS

The fallout from the September 30 ruling was swift. The next business day McCann, who was testifying for the plaintiffs in a class action suit against a unit of insurance company Allianz SE, had to tell their lawyer about the ruling. Allianz lawyers used the opinion to challenge his integrity, he said. The effort was unsuccessful.

Morgan Keegan did not disclose the discussion to Judge Hughes, which could have prevented the fraudulent testimony ruling, McCann said. The company denied the allegation. Morgan Keegan, which is being purchased by Raymond James Financial Inc , also denied it is out to harm McCann’s reputation.

McCann said he informed Morgan Keegan of the revision during a different case prior to the hearing that led to that award. “This is not true,” said Morgan Keegan spokesman Eric Bran in an email. Bran acknowledged that while McCann mentioned the miscalculation, he “did not go into any more detail.”

McCann’s revision came after he discovered Morgan Keegan priced more securities on its own than he had initially thought, instead of through an independent company. The change to his calculations would have bolstered arguments about the brokerage’s liability to those investors, who relied solely on Morgan Keegan’s word about the risks and value of the securities in question.

McCann, who heads Fairfax, Virginia-based Securities Litigation & Consulting Group Inc., does not deny revising his figures. But the discrepancy, which he says was “minor,” would have done no good for Morgan Keegan.

The finding was based on a discrepancy in figures that he gave in two separate arbitration cases against the brokerage involving a group of money-losing bond funds that became the subject of state and federal regulatory actions. Morgan Keegan settled with the SEC for $200 million.

Opposing lawyers often try to challenge an expert’s qualifications. And until recently, securities industry lawyers had little to stand on when it came to attacking McCann’s credentials or his credibility. But that changed in late September when a federal judge deemed McCann’s testimony from a 2010 arbitration involving Memphis-based brokerage Morgan Keegan & Co. to be “fraudulent.”

The stakes are high. McCann’s testimony has helped seal huge wins for investors, including a $54 million ruling against a Citigroup unit and a $15 million ruling against three former executives of Lehman Brothers Holdings.

Securities industry lawyers have been particularly stymied by McCann, whose deep knowledge of the valuation and risks of securities has often been insurmountable.

LEADING WITNESS

Lawyers for investors often hire McCann, an economist with a doctorate from the University of California at Los Angeles, to testify as an expert witness about the value and risks of certain securities. McCann has testified against Wall Street about everything from the risks of equity indexed annuities to valuations of complex securities.

The shift to all-out war against McCann came after a federal judge issued a controversial ruling that McCann gave fraudulent testimony in a case against brokerage Morgan Keegan & Co. Inc. The fact that McCann disclosed the discrepancy ahead of time and that the new testimony would have done nothing to change the outcome of the case has not stopped lawyers from using the ruling to attack McCann’s integrity.

McCann, a former U.S. Securities and Exchange Commission economist, is accustomed to financial companies challenging his qualifications during arbitration cases. But their efforts have become unrelenting since last October, with a number of brokerages trying to prevent him from testifying at all.

“Most of these securities firms don’t like Craig because his testimony hurts them,” said a securities arbitration lawyer who spoke on the condition of anonymity. “They don’t want someone who can lift the tent to show people what’s underneath it. He’s Public Enemy No. One,” the person said.

As those victories piled up, brokerages went to war on his credentials, and more recently, his credibility. The effort provides a window into how critical expert witnesses have been to investor cases, and how intent brokerage firms are on weakening their influence.

For years, Craig McCann played a prominent role as a top expert witness, his testimony helping to win millions of dollars for investors who sued financial companies.

Posted by Insurance - 08/14/2018 at 16:52

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February Offers Opportunities for Boat Insurers





? Completion of safety education courses.

? Multiple policies with the same insurer, such as an auto, homeowners or umbrella policy

? Two years of claims-free experience

? Ship-to-shore radios

? Coast Guard approved fire extinguishers

? Diesel powered craft, which are less hazardous than gasoline powered boats as they are less likely to explode

Some discounts are commonly available for boat policies including:

Agreed amount value-based policies mean a boat owner and and an insurer have agreed on the value of your vessel and in the event of a total loss you will be paid that amount. These types of policies also replace old items for new in the event of a partial loss, without any deduction for depreciation.

Actual cash value policies covers the replacement cost of the boat, minus the depreciation at the time of the loss. If a total loss occurs, used boat pricing guides and other resources are used to determine the approximate market value of the vessel. Partial losses are settled by taking the total cost of the repair less a percentage for depreciation.

Boat insurance policies can provide physical damage coverage on an actual cash value or an agreed amount value basis. Both types of boat insurance policies offer important coverage, but with significant differences.

Brokers and agents can also consider offering coverage for special equipment kept on the boat, including fishing gear. Towing coverage should be included in the policy.

The organization reports that most companies offer boat insurance with liability limits starting at $15,000 with the capability of going up to $300,000. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protection for their boat, home and car.

According to the I.I.I., a typical boat insurance policy includes deductibles of $250 for property damage, $500 for theft and $1000 for medical payments. Additional coverage can be purchased for trailers and other accessories.

The Coast Guard reported 4,604 boating accidents in 2010, involving 672 deaths and 3,153 injuries. Recreational boating accidents totaled up to $35.5 million of damage to property, too.

“Insurers assess the size, type and value of the boat, and the waterways in which it will be navigated, when determining how much you will pay for insurance coverage,” said Loretta Worters, vice president with the Insurance Information Institute (I.I.I.), which is based in New York.

It starts much earlier than that. In many cases, it starts in February, when a flood of boat shows are held. As a result, brokers and agents often see opportunities for writing new boat policies this time of year.
For boat owners and prospective boat owners, summer doesn’t start in June.

Posted by Insurance - 08/14/2018 at 16:52

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