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Old 04-22-2013
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Insurance and cruising...

When we first started cruising, around 2000, some had insurance, some didn't. We checked in to many marinas, and it was never a problem, and they never asked. I remember the old adage, "How do you know when you are ready to go cruising? When you can sail off without insurance."

My, my, haven't things changed.

At the Harborage Marina, St Pete, not only do they demand insurance, but they require you to list them on it AND they maintain an up to date file in the office. They remind YOU when it starts to get close to renewal.

Marathon Marina... same way. I had to make a copy and show full coverage.

Now this is new: At Mantanzas Pass (Fort Myers Beach) Mooring Field, you have to fill out their paperwork, list your insurance, broker, number, etc. This is for a mooring field, not a marina, a floating ball in the water.

I cannot think of a single marina we have stayed at that did not require insurance, and/or a copy of it. We actually carry copies of our policy now to hand out at check-in. Some are quite specific in amounts they require you to carry or you are denied mooring there.

For those thinking about cruising, I suggest you take this into account. Things have changed, from my perspective. The days of live free and let live seem to be overshadowed by the bright lights of the court rooms and legal offices. Don't get me wrong: I always carried insurance and always will. I believe in it and feel it is right for us. But it seems the ability to choose to have it or not are gone.

Brian
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