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Miami, FL 33186

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5 Most Common Boating Injuries

With more registered boats than any other state in the US, Florida is subject to more injuries and accidents related to boating and water sports. Knowing the most common boating injuries and accidents is the first step to protecting your friends and family members from injury during your next outing on the boat. Prestige Insurance Group in Miami, FL offers boat insurance and guidance to help you protect your friends, family, and property.

What Causes Boating Injuries?

The most common causes of boating injuries in Florida include boating while intoxicated, speeding, mechanical problems, collisions, and falling overboard. Other common causes include inexperienced drivers and bad weather.

Common Boating Injuries

In 2020 alone, 534 people were injured in boating accidents in Florida. Those injuries range from cuts and broken bones to fatalities – with 79 fatalities in 2020. 

Preventing Boat Injuries and Fatalities

There are several steps you can take to prevent injuries and fatalities on your watercraft: 

  • Never drink while operating a boat; always designate a sober driver
  • Follow posted speed restrictions and right-of-way laws
  • Keep a life jacket on the boat for all passengers at all times
  • Monitor weather conditions and stay home/go home if bad weather is expected
  • Inspect your boat before taking it out to ensure all parts are working as expected

You can also protect your loved ones – and others you may come in contact with on the water – by carrying liability insurance on your boat as required by law. Liability insurance covers the cost of property or bodily damage incurred as a result of boating. 

Whether you’re buying your first boat or seeking new insurance options, the team at Prestige Insurance Group in Miami, FL can help. Stop by today!

Do I Need To Insure My boat If It’s Kept In A Storage Facility?

When you own a boat, you need to make sure that it is adequately insured at all times. This is because boats are expensive and can be easily damaged. If you have your boat stored in a storage facility, you may be wondering if you need to insure it. The answer is yes, you should always insure your boat, even when it is in storage. Prestige Insurance Group in Miami, FL can guide you on this important insurance coverage.

Here are a few reasons why you should insure your boat even when it is in storage:

You Never Know When Something Could Happen

Even though your boat is in a storage facility, there is always the potential for something to happen to it. For example, someone could break into the facility and steal your boat. Or, there could be a fire at the facility that damages your boat. If something does happen to your boat while it is in storage, you will be glad that you have insurance.

It Will Give You Peace of Mind

Knowing that your boat is properly insured will provide you with peace of mind. This way, you can relax and enjoy your time on the water, knowing that your investment is protected.

It Could Save You Money in the Long Run

If something does happen to your boat while it is in storage, repairing or replacing it can be very expensive. Having insurance will help to offset the cost of repairs or replacement.

Get Boat Insurance Today

If you own a boat, it’s vital to insure it at all times, even when it is in storage. This way, you can relax and enjoy your time on the water, knowing that your investment is protected. If something does happen to your boat while it is in storage, repairing or replacing it can be very expensive. Having insurance will help to offset the cost of repairs or replacement. Contact us at Prestige Insurance Group in Miami, FL and we’ll provide your boat insurance.

Why Do You Need Boat Insurance?

While few states require boat insurance, this does not mean that protecting your boat is a bad idea. If you live in Miami, FL, you are not necessarily required to have insurance when you use your boat. Regardless, you are smart to think about buying a policy anyway.

Prestige Insurance Group understands that boat insurance policies can be confusing. Here’s why you should consider taking on a policy.

Homeowner’s Insurance May Not Cover Everything

You may already know that homeowner’s insurance often covers personal property, including sea vessels. What you may not know is that your homeowner’s insurance has a specific cost associated with what it will cover. The full value of your boat may not be covered by a homeowner’s insurance policy.

Boat Insurance Includes Property Damage Liability

When you operate a boat, events can become unpredictable quickly. Property damage liability covers damage a boat causes to another property. This coverage is beneficial for vessels that accidentally spill fuel as well.

Boat Insurance May Come With On-Water Assistance

Many people do not realize that boats also benefit from an on-water assistance package, much like roadside assistance. This can include towing to repair facilities and assistance for disabled vessels.

Boat Insurance Includes Collision Damage

You can choose a boat insurance plan that covers collision damage, which happens when your vessel is damaged in an accident. Collision damage can result from your boat hitting another boat or structure while in use.

Boat Insurance Includes Bodily Injury

Nobody expects to get hurt on a boat, but accidents do happen. Bodily injury liability coverage typically pertains to injuries involved in an accident.

Need Boat Insurance?

Are you considering boat insurance? Prestige Insurance Group, which serves Miami, FL, can help you through the process of choosing the right insurance for your vessel and activities. Contact us or visit our website today for more information.

What does boat insurance cover

Miami offers abundant opportunities to get out with your boat and enjoy the water. The weather is ideal, and the options are practically endless. Whether you want to enjoy saltwater on Biscayne Bay or the Atlantic Ocean or freshwater in one of Miami-Dade County’s 47 lakes, you have ample opportunity to use your boat. Whether motorized or sail, you will never be at a loss unless you don’t have boat insurance. At Prestige Insurance Group in Miami, FL, our team has over 10 years of experience meeting our customer’s needs.

Liability coverage

Of course, you hope that nothing bad will ever happen when you are out enjoying your boat, but if something does happen, it is important that you have enough liability insurance to protect your assets. If you cause an accident where someone is injured or dies, the resulting expenses could be very high. You would be responsible for medical expenses and any judgment against you. This insurance would also repair or replace someone else’s boat or dock that you damage. Having enough liability coverage is vital. 

Collision damage

If you have an accident and are at fault or hit something like a submerged rock, you need to take care of the repairs to your boat yourself. This can be very expensive, depending on the extent of the damage. Collision coverage comes with a deductible, and you decide when you choose your policy the deductible, you are comfortable with. 


Comprehensive coverage protects your boat from other types of damage. It covers things like strong winds, fire, hail, vandalism, and theft. Things over which you have no control. 


If you have special equipment in your boat, whether for fishing or navigation, this needs to be covered separately. 

Many hazards are lurking in the waters, and you need to be protected against them. At Prestige Insurance Group in Miami, FL, we will help you make sure you have the right coverage for your boat. Give us a call or stop by our office for a free quote. 

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