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Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage and inadequate liability protection could cost you financially.

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Risk Resource® is a four-step process utilized by General Insurance Services, Inc. to identify, develop, implement and monitor the risk management strategies for you and your business.

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There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

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SpeedboatSpending an afternoon out on the water is the perfect time to relax and eat some good food with good company. But pass on the alcohol if you’re in charge of operating the boat. Just like driving a car while intoxicated, driving a boat while intoxicated is just as, if not more, dangerous. Why? The sun, wind, engine noise and vibration all have fatiguing effects. Add alcohol on top of that and you’ve got a recipe for sleepiness and impaired reaction time.

Boating under the influence (BUI) is illegal in all 50 states and is penalized with any variation of large fines, suspension or revocation of boating privileges, jail time and even vessel impounding. These laws extend to all types of boats, no matter how small.

Just as with a DUI, boaters are considered legally intoxicated when their blood alcohol content (BAC) level hits 0.08 percent. However, it’s been documented that once your BAC reaches 0.10 percent, you are over ten times more likely to be involved in a boating accident than a boat operator who remained sober.

There are roughly 600,000 boating accidents per year and about half of them involve alcohol or drugs. Many of these accidents involved capsizing and/or people falling overboard while intoxicated.

For safety’s sake, save a can of beer for the boat driver to enjoy once you’ve returned to the dock. During the excursion, the driver can enjoy any non-alcoholic beverage for a refreshing cool down.

We’ve got you covered. Call General Insurance Services at (219) 879-4581 for more information on Michigan City boat insurance.

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General Insurance Services
Michigan City
421 Franklin Street
Michigan City, IN 46360
(219) 879-4581
(800) 961-0953
M - F 8am-5pm
General Insurance Services
4208 Calumet Ave, #100
Valparaiso, IN 46384
(219) 464-3511
(888) 844-8376
M - F 8am - 5pm
General Insurance Services
La Porte
1200 Michigan Ave.
La Porte, IN 46350
(219) 362-2113
(800) 766-4478
M - F 8am - 5pm
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