Is Boat Insurance Required in My Area?

There is no better way to spend an afternoon during the hot summer days than on a boat. For those that are in the Bethlehem, PA area, owning a boat is a big investment and responsibility. Because of this, boat owners need to consider carrying boat insurance. There are several situations in which having boat insurance is a requirement for owners in the area. 

Loan on the Boat

One situation in which you will need to have insurance on your boat is if you use a loan to purchase the boat. When you buy a boat with a loan, the lender will have a lien on the boat at all times. Because of this, they will likely require that you carry a full boat insurance policy as long as the loan is outstanding. This will ensure that they can be repaid if the boat is damaged or stolen.

Local Requirements

In general, the state of Pennsylvania does not require that you carry boat Insurance. However, there are local areas throughout the state that do require that you have boat insurance if you are in certain areas. For example, if you are in a larger lake area with a local marina, you may be required by the lake association to carry boat liability insurance whenever you are on the water. This will provide liability coverage for you in the event of an accident.

If you own a boat in the Bethlehem, PA area, you should reach out to the Saucon Insurance Agency. When you meet with the Saucon Insurance Agency, you can receive more guidance into what your boat insurance requirements are. They will also be able to review your requirements and particular situation to ensure you get a boat policy that provides you with good coverage and also stays in compliance with all regulations.

How to Protect Your Business Against Slip and Fall Claims

Like most situations in life, the best way to protect your business from slip and fall claims is to do what you can to avoid them in the first place. Here are some effective ways to prevent slip and falls at your business:

  • Clean up any spills immediately and also post warning signs until the area is completely dry.
  • Repair any areas where there are uneven floors, carpeting seams, or other abnormalities that could cause a fall.
  • Keep all hallways and aisles free of items that could cause someone to trip or fall.
  • Make sure that all steps and transitional areas have the necessary handrails and other safety equipment.
  • Don’t forget about outside areas, keep parking lots and sidewalks free of debris and patch any potholes right away.

Of course, accidents can happen even when all of the above precautions and more are taken. Saucon Insurance Agency advises all of our business clients to carry liability insurance that is sufficient to protect them from any slip and fall claims at their businesses in the Bethlehem, PA area.

Liability insurance can protect you if a customer has a mishap at your place of business. Additionally, it can protect you if an employee is the one who falls, and certain policies will provide protection from a claim and also cover expenses related to an employee claim. Having the right insurance can make the difference between a terrible situation and one that can have a lasting effect on your business.

At Saucon Insurance Agency, our here to help you make sure you have the appropriate insurance and at the right coverage levels. Call us today to schedule a consultation, we are proud to serve fellow business owners in the greater Bethlehem, PA area.