Millions of boaters, particularly those who have been suffering through this harsh winter, are looking forward to the approaching spring. As owners prepare to take their boats out of storage and into the water, insurance advisers should help their clients properly protect their prized possessions and keep their passengers safe.

Reduce Risk Between Bow & Stern

By spring, many boats have been sitting idle for at least three or four months. Encourage clients to ensure that the boat's registration is up to date and:

• Review the owner's manual. Even if a client has relied on a marina to de-winterize his or her boat, there's a good chance it may not have received the recommended maintenance.

• Check batteries and fluids. If the boat has been inactive for several weeks or more, it is critical to check battery strength and fluid levels. Boat electronics such as a stereo, GPS, radio and radar can drain a battery. Leave the battery switch in the “off” position when not in use. Inspect battery cables for rust or corrosion, and use a wire brush for a good, clean connection.

• Consult a maintenance checklist.

• Prepare for a vessel safety check. Ensure that the boat is equipped with working fire extinguishers, distress signals like flares and a horn, ample life jackets that have been approved by the U.S. Coast Guard, proper ventilation and navigation lights with working bulbs.

• Enroll in a boating safety course. This will help your clients become more skilled captains and will likely lower their premiums.

Conduct a Coverage Check-Up