For individuals of substantial net worth, few pastimes offer more pleasure than cruising the oceans in the family yacht. With an onboard crew taking care of the actual sailing, and the ship's quarters as posh as a Manhattan penthouse, relaxation is the sole order of the day.

There is one responsibility that the captain and crew will not take care of, however. And that's ensuring that the complex risks of yacht ownership are carefully managed and expertly transferred to a specialized insurer. For this, one needs access to a savvy insurance broker like John J. Gaffney, who has spent his entire life around fine boats.

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