In the middle of July in most parts of the United States, people are taking to the water to cool off. They may be sailing, fishing or just cruising the harbor. They may be in anything from a kayak to a 500-foot yacht. An important consideration for all of these boat owners is whether they have the right insurance coverage in place.

Agents and brokers can help by reviewing the customer’s needs and pointing out some coverage issues that the customer may not be aware of, advises Michael Terrier, senior yacht underwriter and yacht department manager for the Maritime Program Group, Westbrook, Conn.

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