MarinersHow To Effectively Remove Barnacles

Remove Barnacles

MarinersHow To Effectively Remove Barnacles

If your boat is docked in water for any length of time, you probably have barnacles. Removing these critters can be difficult and time-consuming. There are a few things that you can do to make barnacle removal easier and less of a chore.

Make Sure You Are Insured

Secure a boat insurance policy before removing the barnacles or hiring someone to do it for you. This will help if there is any lasting damage to your boat.

Wear Appropriate Gear

Barnacles are sometimes as sharp as razors and contain bacteria and other microorganisms. It is easy to get an infection if you do not wear gloves, a mask and eye protection.

Wait Until You Are Ready

Do not remove your boat from the water until you are ready to start the barnacle removal. Dry barnacles will adhere to the hull much more tightly, which equals more work and possibly more damage to your boat.

Spray Parallel to the Hull

When using a powerwasher or sprayer, always spray parallel to the hull at a shallow angle. This helps to push the barnacles off from the underside.

Scrape With Plastic or Wood

If you must scrape, use wood or plastic tools. These are less likely to cause further damage to your boat’s hull.

After your hard work, be sure to coat the hull with wax or another anti-barnacle paint or sealant. If you follow these tips, it will be much easier and safer to remove those unwanted barnacles.

General Liability Insurance

3 Questions About General Liability Insurance for Businesses

While general liability insurance for businesses is not required by law, purchasing it can be one of the wisest investments a company makes. It is often only after experiencing a financial loss that the true value of such a policy is fully recognized. Answering three basic questions can prove beneficial when considering general liability insurance.

1. What Is Covered?

General liability insurance for businesses provides protection against claims arising from the daily routine of doing business. Typically, this includes the following:

  • Personal injury
  • Damage to property
  • Advertising grievances
  • Product damage
  • Rental property damage 

2. Who Needs It?

Virtually every business, large or small, should consider a general liability policy. It can provide protection from lawsuits brought by customers, vendors and even the public. For brick and mortar businesses, it’s especially useful because it provides coverage against physical losses.

3. How Much Coverage Do You Need?

Equally important to having general liability coverage is having the right amount. Two primary factors to consider when identifying the needs of your business include the size of the establishment and its loss history.

Investing in the right general liability policy can go a long way in protecting the future of any commercial operation. Talk with an authorized insurance agent to determine the amount of protection required to meet your company’s myriad needs.

Accident Sliding on Ice

What Happens If You Have an Accident Sliding on Ice?

Driving in winter weather brings a unique set of challenges no matter how cautious you are. Road conditions can change quickly and cause you to lose control of your vehicle. One of the ways this can happen is by sliding on ice. This can be a helpless feeling especially if it causes an accident. You may have questions such as whose fault is it or is there “sliding insurance”?

First of all, the fault will definitely lie with you no matter how safe you were being. There is no special insurance for sliding on ice but you need to make sure your insurance policy has coverage for all the things that can happen.

Damage to Your Car

This is covered by the collision portion of a policy. It would cover you the same way whether you slid on ice or not.

Damage to Something Else

Property damage liability is typically required by states and covers damage to other cars and objects. Be careful though, as the bare minimum coverage you can select may not be enough for all accidents.

Injury to Yourself

Medical payments and PIP will alleviate some costs in this case. Again, coverage levels can vary based on your policy and other factors.

Injury to Others

Bodily injury liability will protect you up to the limits on your policy. This provides coverage whether you harm someone in another vehicle or a pedestrian.