Insurance for sailing in a club? - SailNet Community

   Search Sailnet:

 forums  store  


Quick Menu
Forums           
Articles          
Galleries        
Boat Reviews  
Classifieds     
Search SailNet 
Boat Search (new)

Shop the
SailNet Store
Anchor Locker
Boatbuilding & Repair
Charts
Clothing
Electrical
Electronics
Engine
Hatches and Portlights
Interior And Galley
Maintenance
Marine Electronics
Navigation
Other Items
Plumbing and Pumps
Rigging
Safety
Sailing Hardware
Trailer & Watersports
Clearance Items

Advertise Here






Go Back   SailNet Community > General Interest > General Discussion (sailing related)
 Not a Member? 


Reply
 
LinkBack Thread Tools
  #1  
Old 04-07-2012
Junior Member
 
Join Date: Apr 2012
Posts: 5
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
rkapsi is on a distinguished road
Insurance for sailing in a club?

Hello,

I'm new and this is going to be my first summer of sailing. I joined a local sailing club here in NYC and was wondering if I'll need some kind of insurance in case something happens. I'm not worried about myself but other people's property and stuff.

Thanks,
Roger
Reply With Quote Share with Facebook
  #2  
Old 04-07-2012
ASA and PSIA Instructor
 
Join Date: Apr 2000
Posts: 3,423
Thanks: 6
Thanked 14 Times in 14 Posts
Rep Power: 15
sailingfool will become famous soon enough
Re: Insurance for sailing in a club?

Did you pay a damage deposit, if yes that should indicate the boats are insured, and you put down the deductible as a deposit, and get it back at the end of the year. In the case of an insured loss, your deposit goes first. You can confirm with the school.

What you might worry about is personal injury, which I would not think would be covered. You might have coverage under a homeowners policy...I forget but check that out.
__________________
Certified...in several regards...
Reply With Quote Share with Facebook
  #3  
Old 04-07-2012
hellosailor's Avatar
Plausible Deniability
 
Join Date: Apr 2006
Posts: 10,417
Thanks: 1
Thanked 74 Times in 72 Posts
Rep Power: 10
hellosailor has a spectacular aura about hellosailor has a spectacular aura about
Re: Insurance for sailing in a club?

If you have any type of insurance (home, renter, car?) you might ask your agent. If you have nothing, call to ask about renter's insurance for your apartment and a liability rider or umbrella coverage to cover the boats. If the boats have engines and are registered as motor vehicles--make sure to ask if that affects things.

No one in the club has looked at that before? Seems like something THEIR insurer should be able to offer their members, too.
Reply With Quote Share with Facebook
  #4  
Old 04-08-2012
Member
 
Join Date: Jun 2011
Location: New Jersey
Posts: 31
Thanks: 1
Thanked 0 Times in 0 Posts
Rep Power: 0
wmmulvey is on a distinguished road
Re: Insurance for sailing in a club?

This is what my club requires.

"If you have a boat in the fleet, whether on a mooring or in a slip, you must provide current (dated and unexpired) proof of insurance that names (NAME OF CLUB) as an additional insured."

What is the boat? Some insurance company's require pic's of the boat and/or a marine survey.

What club in NYC?

Sincerely

Bill

Last edited by wmmulvey; 04-08-2012 at 10:39 AM.
Reply With Quote Share with Facebook
  #5  
Old 04-08-2012
DRFerron's Avatar
A mod and her dragon
 
Join Date: Nov 2005
Location: SE Pennsylvania
Posts: 3,655
Thanks: 40
Thanked 112 Times in 105 Posts
Rep Power: 10
DRFerron is on a distinguished road
Re: Insurance for sailing in a club?

It depends if Roger joined a club that allows him to keep the boat at the club. If it's like two sailing clubs that I belong to, neither have a clubhouse and/or marina and members sign a contract saying that you are responsible for your boat when using it for club sails. Neither asks for proof of insurance.

Roger does not say what type of club he joined.
__________________
Donna


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Catalina 30 TRFK

Contributing Editor
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
magazine

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Rock Hall Cruising Station

All things that are, are equally removed from being nothing. John Donne
Reply With Quote Share with Facebook
  #6  
Old 04-08-2012
Junior Member
 
Join Date: Apr 2012
Posts: 5
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 0
rkapsi is on a distinguished road
Re: Insurance for sailing in a club?

Hello,

it's the Offshore Sailing Club (Liberty Landing Marina, NJ). The boats are insured with a $1000 deductible and a $300 security deposit. Not sure what's covered and what's not but it doesn't really matter. This side of the pond is very sue friendly and I think it's a good idea to have some coverage on my own.

I have a few friends who have access to a private sailboat in City Island (Bronx) and an another friend has a summer leasing type of arrangement up the Hudson River. In these cases I'd be good to have something on my own.

I don't own any property and Renter's Insurance seems to be the way to go but which ones cover watercraft in a non-owning/club/tug along with friends setting?
Reply With Quote Share with Facebook
  #7  
Old 04-09-2012
DRFerron's Avatar
A mod and her dragon
 
Join Date: Nov 2005
Location: SE Pennsylvania
Posts: 3,655
Thanks: 40
Thanked 112 Times in 105 Posts
Rep Power: 10
DRFerron is on a distinguished road
Re: Insurance for sailing in a club?

If I understand you correctly and you are sailing on club-owned boats, there is no additional insurance you need to buy. The club has to insure the boats and ensure that the members who use them know how to operate them. I'm not aware of any additional insurance you can buy to add since you are not the owner of the boat.

If you sail on a friend's boat, same thing. Your friend should insure his or her boat. Now, if you are operating a privately owned sailboat without the owner on board, the owner is taking a huge risk. Still, there is no additional insurance that you can purchase since you don't own the boat.
__________________
Donna


To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Catalina 30 TRFK

Contributing Editor
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
magazine

To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Rock Hall Cruising Station

All things that are, are equally removed from being nothing. John Donne
Reply With Quote Share with Facebook
  #8  
Old 04-09-2012
hellosailor's Avatar
Plausible Deniability
 
Join Date: Apr 2006
Posts: 10,417
Thanks: 1
Thanked 74 Times in 72 Posts
Rep Power: 10
hellosailor has a spectacular aura about hellosailor has a spectacular aura about
Re: Insurance for sailing in a club?

DR, he's in NY. Where last time I checked, someone involved in an accident could sue both the owner AND the operator of a vehicle or vessel. So whether the club (owner) has any insurance would be a moot point. If he t-bones a stock broker and they're in traction for four months, he's still going to be sued to four months of lost income, and that could be over and above any club insurance as well.

Personal liability coverage should still be available, as would "operator's" insurance. You can buy motor vehicle liability insurance as a driver, even if you don't own a car, from some companies. How they'll treat "vessel" and "vehicle" I couldn't begin to guess, but in NYS a boat with an engine on it IS a "motor vehicle". Same registration out of the same office as a car.

RK-
NYS does have a Commissioner of Insurance, and they've got city offices. You might try calling them to ask whether they know what type of insurance is sold in NYS and applicable. And whether they think a boat iwth an engine is a motor vehicle.
Reply With Quote Share with Facebook
  #9  
Old 04-09-2012
LakeSuperiorGeezer's Avatar
Senior Member
 
Join Date: Oct 2010
Posts: 551
Thanks: 0
Thanked 0 Times in 0 Posts
Rep Power: 4
LakeSuperiorGeezer is on a distinguished road
Re: Insurance for sailing in a club?

I own my boat and the yacht club I belong to requires that I carry liability insurance. I get that through my home owners insurance. It's not much money and the policy goes to $1,000,000 with an unbrella over all items insured, auto, home, etc.
Reply With Quote Share with Facebook
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools

 
Posting Rules
You may post new threads
You may post replies
You may post attachments
You may edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Bay Area Sailing Club, Tradewinds Sailing School and Club, Adds New Boats to Fleet NewsReader News Feeds 0 03-08-2012 08:10 AM
Bay Area Sailing Club, Tradewinds Sailing School and Club, Adds New Boats to Fleet NewsReader News Feeds 0 03-01-2012 06:50 AM
Sailing club hopes freeze will keep club alive NewsReader News Feeds 0 01-31-2012 01:00 PM
Seabrook Sailing Club honors this year’s club champion NewsReader News Feeds 0 11-22-2011 11:10 PM
Powell River Sailing Club recently received a generous donation from the Westview Kiwanis Club to allow it to offer a (Powell River Peak) NewsReader News Feeds 0 05-31-2006 06:15 PM


All times are GMT -4. The time now is 12:24 PM.

Add to My Yahoo!         
Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
SEO by vBSEO 3.6.1
(c) Marine.com LLC 2000-2012