Boat Pittsburgh

Insure Your Boat or Watercraft with Beynon & Company Insurance

By | Personal Insurance, Specialty Insurance

Insure your boat or watercraft before the season starts in Pittsburgh!

Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We’ll help you leave your worries on dry land and fully enjoy your time on the water. Find out more about Watercraft Insurance here and request a FREE QUOTE

 

Watercraft Insurance

Also, be sure to check out these boating safety tips from Travelers Insurance.

Boating Safety Tips from Travelers Insurance

By | Personal Insurance, Specialty Insurance

Boating Safety Tips – Travelers Insurance

Every time you take your boat and/or personal watercraft out on the water is a new experience. No matter how many trips you have under your belt, it is best to freshen up on boat safety before each voyage. Be sure you and your passengers follow these safe boating tips and practices to help promote an incident-free return from each outing.

Before Setting Out on Your Boat

Ensure that your boat and/or personal watercraft is operating properly before heading out onto the water. Follow this pre-departure checklist to help you avoid any potential problems.

  • Share your float plan with a friend or relative. Be sure to include your destination and expected time of return.
  • Check fuel levels and add as necessary.
  • Check your engine. For in-board engines, open the hatch to look for fuel or fluid (oil, coolant, etc.) leakage or excess water in the bilge, or the lowest section inside of a boat. For outboard engines, check the fuel system for leaks or heavy gas odor. Excessive fuel vapors from either engine type can be a sign of a serious problem.
  • Ensure all lights are functioning and in place.
  • Check for any electrical issues such as loose, disconnected or corroded conductors.
  • Test radio/communications devices.
  • Run blowers to evacuate fumes and vapors from the bilge prior to starting your engine.
  • Attach your boat and vehicle keys to a floating bobber.
  • Check the local weather, sea reports and boating forecasts. As the operator of the boat, you have a responsibility to pay attention to the weather and should not head out if adverse conditions are expected.
  • Have an emergency/evacuation plan in place, and go over it with your passengers.
  • Review the vessel’s controls, location of personal flotation devices and location of fire extinguishers with your passengers.

What to Take Aboard

No matter how careful you, your passengers and fellow boaters may be, accidents can still happen. In the event of an incident, you should always have these items with you while you are out on your boat:

  • Boat certificate and registration.
  • Towing policy paperwork (if you have one).
  • Personal flotation device (PFD) —with protective packaging removed—for each passenger.
  • Charged and functioning fire extinguisher.
  • Fully-stocked boating emergency/survival kit.

Staying Safe on the Water

Having a good time while out on the water includes getting everyone back to shore safely. Whether you are navigating or just along for the ride, everyone plays a critical role in boating safety. Be sure you and your passengers practice these safe boating behaviors on every outing:

  • Do not exceed the number of passengers safely allowed on your vessel.
  • Make sure all passengers remain in their proper, seated positions on the boat while it is in motion.
  • Children should wear a PFD at all times – this is required by law in some states, so be sure to check local laws, rules and regulations. Adults should consider wearing them as well, and at a minimum, they should be readily available.
  • Shut off the engine while passengers are loading and unloading for recreational activities such as tubing, waterskiing, wakeboarding and swimming.
  • Monitor gauges at the helm (voltage, temperature, fuel) to help promote safe operation and identify any issues as soon as possible.
  • Be aware of your surroundings, like water conditions and other vessels, to help you react to any potential dangers in a timely manner.
  • The primary and backup operator (if you have one) should abstain from consuming any alcoholic beverages prior to or during the outing.

This article was obtained from https://www.travelers.com/resources/boating/boating-safety-tips

Contact Beynon & Company to insure your boat or watercraft for the upcoming season!

412-261-3640

insure@beynonandco.com

Request A Quote Online

Boating Prep Tips from Travelers Insurance

By | Personal Insurance, Specialty Insurance

How to Help Prepare Your Boat for Spring

Travelers Insurance

Couple on a boat

Are you one of the millions of boaters with spring fever, itching to get your vessel out of winter storage and back onto the water? If so, be sure to take the time to properly de-winterize and prepare your boat before taking it out for its first voyage of the season.

Having a spring ritual that includes recommended inspection, tune-up and cleaning of your boat before setting out on your first trip can help prevent a host of problems that could keep you off the water later in the season — not to mention, help keep you and everyone aboard safe during your adventures.

Following are some tips to help get your boat as ready as you are to hit the water this year.

Prepare for the Season Ahead

Use some of those pre-season days to plan for brighter days of boating ahead:

  • Take a boat safety course, and obtain your boating certificate (if you have not already).
  • Read your owner’s manual and consult the manufacturer’s recommended maintenance guidelines.
  • Familiarize (or re-familiarize) yourself with your boat — its components, features and safety precautions.

Complete Your Pre-Launch Inspection and Maintenance

To help ensure a smooth, safe start to the boating season, have an American Boat and Yacht Council (ABYC)-certified technician or mechanic perform the recommended maintenance on your vessel. Whether or not you get a professional tune-up, be sure to complete the following checklist before leaving the dock:

  • Inspect all of the safety equipment on board, including fire extinguishers, flares, personal flotation devices and first-aid kits, and repair, recharge and restock them as necessary.
  • Check all lights on your boat to make sure they are in place and operating properly.
  • Open the engine compartment to check for excess water in the bilge.
  • Check for any electrical issues, such as loose, disconnected or corroded conductors.
  • Check that the battery is properly secured to the vessel.
  • Check the fuel tank for leaks, and ensure there is proper ventilation.
  • Check the fuel filters to make sure no water is present.
  • Fill your tank with the freshest, highest-quality fuel available.
  • Change and check the oil level before starting the boat for the first time.
  • If you will be towing your vessel to its launch point, you will also need to properly inspect and maintain your trailer prior to your first outing.

Get In, On and Out of the Water Safely

Once all tasks on your pre-launch checklist are complete, you can start your engine and get out on the water. It is important on your first, and every trip of the season, to:

  • Follow safe launching practices.
  • Monitor the engine temperature to make sure it is not overheating.
  • Monitor the cooling system to make sure it is operating correctly.
  • Ensure you and your passengers know and follow safe boating practices.

Remember: Every Vessel is Unique

The work required to get your boat water-ready will depend on whether it is used in fresh or salt water, its size, manufacturer, model, and the state in which it is registered. Be sure to get the information you need, then develop and follow the right spring ritual to help ensure every trip of the boating season is safe and fun for all.

Contact Beynon & Company to insure your boat or watercraft for the upcoming season!

412-261-3640

insure@beynonandco.com

Request A Quote Online

Valentine's Day 2018

Happy Valentine’s Day!

By | Holiday, Personal Insurance, Specialty Insurance

Happy Valentine’s Day! Be sure to insure your valuable gifts!

Whatever the purchase, consumers should take steps to safeguard and insure their valuables. Your homeowners insurance may have limits to covering valuable and precious items such as jewelry.

Call, email, or request a quote from Beynon & Co Insurance today to find the best way to protect your beloved Valentine’s Day gift.

412-261-3640

insure@beynonandco.com

Request A Quote Online

Snow Removal Tips for Commercial Property Owners and Managers

By | Business Insurance, Specialty Insurance

Commercial Property Snow and Ice Removal Checklist

by Millers Mutual

Owners and managers of commercial property have an obligation to maintain safe conditions for employees and occupants. Prevent injuries and minimize injury costs by implementing a snow removal program using the checklist provided.
  • Establish a plan for how you will remove snow and ice and who will do so. Also identify when removal will take place in correspondence with when the snow falls (example: middle of the
    night snow fall – clean-up by 5 a.m.).
  • Place weather mats at all entrances to the building for a distance of 40 feet. These mats should be placed in both directions to catch snow and water when entering and exiting.
  • Periodically check weather mats to make sure they are in solid working condition and have not started to curl (this presents additional tripping hazards).
  • Send out a newsletter, flyer or post a notice on a communal bulletin board asking residents, employees and visitors to report snow and ice-related hazards immediately to the property manager.
  • Consider hiring a snow removal contractor. Investigate the quality of their work, timeliness of work during a storm, equipment adequacy, experience, references and the ability to work with your property’s unique needs.
    • Contracts should not necessitate a call from the property owner or property manager. The contract should state that contractor will provide snow removal and de-icing services after accumulation of “x” inches or overall icy conditions. Time of completion should also be indicated (ex. 3 hours from daylight).
    • Contractor adheres to safe working practices as established by industry standards
    • Contractor maintains general liability insurance with a minimum of $1,000,000 (provides certificate of insurance to you as well)
    • Contractor maintains workers’ compensation insurance (provides certificate of insurance to you as well)
    • Contractor names you as an additional insured on the policy
  • Report snow and ice removal activities on a snow and ice removal log as soon as the tasks are complete (see attached log). The log will assist you in defending against injury and property claims. They are also handy for maintaining a standard procedure if you have multiple properties. Use the same log for your own staff members and hired outside contractors.
For more information on insurance policies you may need for your commercial business, explore our Business Insurance Clickable Coverage
water flood

Flood Insurance

By | Personal Insurance, Specialty Insurance

Things you may not know about a flood insurance policy

Do I need a flood insurance policy if I live by a body of water in Pittsburgh? Does my homeowners insurance cover damage from water? Does it matter what water sources the damage came from?

Beynon & Co. Insurance agent Robert Heinle is here to answer these questions for you!

If you live near a river, creek, ocean, or lake, you should definitely look into getting flood insurance. But what if you don’t? Unusual or rapid overflow from from rain or runoff may occur at any time.  Flood damage may not be covered with your homeowners insurance policy, but it may be if you have a flood insurance policy. Plan ahead to help protect the house you’ve worked hard to make your home. Find out more in this video:

 

Call today or request a quote online!

wedding insurance

Why Do I Need Wedding Insurance?

By | Personal Insurance, Specialty Insurance

No matter how you look at it your wedding is an investment! Regardless of how well you plan, something can always go wrong. Just think, what if you arrive at the bridal boutique to pick up your dress and find that the store has went out of business? What happens if the Hall you’ve rented experiences a fire and must close for restoration when your wedding is scheduled for next week?

Wedding planning is stressful enough. Give yourself peace of mind by purchasing a wedding insurance policy through our agency! Policies start at as little as $160.00 a year and have a zero dollar deducible!

What does it cover?

  • Private, by invitation only events, hosted by individuals. This includes the ceremony and reception as well as the rehearsal dinner up to 48 hours before the wedding.

Key points of Coverage

  • Coverage in the event of Cancellation or postponement of the event due to necessary unavoidable situations for the following contracted services and items:
  • Transportation
  • Food
  • Catering Services
  • Hall and Location rentals
  • Special Attire – purchased or rented
  • Flowers
  • Photographs
  • Entertainment
  • Property and Equipment Rentals
  • Travel Accommodations
  • Dated and perishable items
  • Lost Deposits Protection in the case that a vendor fails to provide a contracted item or service, including but not limited to wedding gowns/tuxedos, photography, entertainment, flowers, venues, and catering.
  • Coverage for extra expenses incurred in the event that you must find a replacement item or service at the last minute.
  • Event gifts protection.
  • Liability Coverage can be added as it is sometimes required by a venue to protect you in the event that a guest is injured or causes damage to the property.
  • Liquor Liability may also be added to protect yourself against liability arising from an alcohol related incident (subject to conditions and exclusions).

When should I get it? – As soon as you say yes!

  • Coverage can be issued anywhere from 2 years to 1 day before the wedding date.

(***Coverage Restrictions apply if policy is issued within 14 days of the event.)

Call today or request a quote online!