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It is not extraordinary for an individual to invest in multiple vehicles at the same time. Business owners often have a fleet of cars ready to take care of their travel routine. Other companies may feel the need for a trailer or small van to haul cargo. Moreover, many people are ready to spend money on a boat that lets them spend their leisure time pursuing a hobby. Boat operators may also decide to profit from the watercraft by using it as a cruise vessel. Whatever may be the reason, it is essential to buy boat insurance in Los Altos and Sunnyvale, CA, to protect it fully.
Sure, news about boat accidents is not as common as auto mishaps, but that is no reason to avoid having it insured. It is advisable to contact an insurance agent to learn about the extent of coverage available for a boat before deciding on a specific plan. Some of the advantages that are included in the insurance plans covering boats and water vessels usually contain:-
· Flexible Coverage- One is surprised to note that numerous options are available with diverse deductibles, liability limits, and a host of coverage to select. The insurance rates are pretty affordable as well. The rate of deductibles for theft of the boat, property damage, and medical expenses is not too high either. The rates are likely to vary following the premium. Boat owners have the option of increasing the liability coverage if needed too. Some of the insured boat owners may opt for umbrella insurance coverage that includes coverage for both the boat and the car and the residential property.
· Property Damage- While there is very little likelihood of ramming the vessel into another, accidents do happen. Hitting the pier at top speed or toppling over due to an unexpected gale can wreak havoc, causing loss of property on board and damage to the surface plus engine of the boat itself. Compensation for property loss is included in the coverage for most boat insurance plans. At the same time, the cost of transporting the damaged boat to the nearest repair shop is provided by the insurance company. The owner is thus saved from financial trouble with almost no out-of-pocket expenses required to ensure timely repairs.
· Bodily Injury – Statistics reveal that almost 10% of the injured people succumb to death after a boat accident. Claiming boat insurance can help one meet hospitalization costs and other medical expenses properly, thus increasing the possibility of recovery without facing financial hardship.
· Liability- A boat owner can be held liable for causing an accident on water too. The insurance plan includes liability coverage that helps to pay all damages and take care of associated legal expenses.
Almost all SMEs try to provide adequate benefits to their employees by offering group health insurance in Mountain View and Palo Alto, CA. This can benefit both the employer and the employee with the said company not being troubled by steep attrition rates.
SBC Insurance 