At C.K. Ash Insurance, we want you to enjoy every minute of your time on the water this summer. Whether you’re cruising on the Ohio River or exploring local lakes, boating should be about fun—not unexpected surprises. That’s why we’ve outlined some key boating safety tips and insurance considerations to help you stay protected.

Take a Boating Safety Course

Before you hit the water, consider enrolling in a boating safety course. These programs—offered online or through the Kentucky Department of Fish & Wildlife—cover essential topics like navigation, emergency protocols, and weather preparedness. They’re especially helpful for new boaters and young operators.

Wear a Life Jacket at All Times

Life jackets save lives, plain and simple. Make sure there is a properly fitting U.S. Coast Guard-approved life jacket for every person on board. Kentucky law requires children under 12 to wear a life jacket while a boat is underway. Don’t take chances—safety starts here.

Review Your Insurance Coverage

Many homeowners insurance policies offer limited coverage for small boats or personal watercraft like jet skis. However, larger or motorized boats often require a dedicated policy. At C.K. Ash Insurance, we’ll help you review your current policy to ensure your boat—and your liability—are fully protected, whether you own or rent.

Why Boat Insurance Matters

A comprehensive boat insurance policy can cover:

Physical damage to your boat and trailer
Liability for injuries or property damage
Medical payments for passengers
Coverage for personal items on the boat
Emergency towing and assistance

Stock Your Boat with the Essentials

Don’t leave the dock without key safety and comfort items on board. We recommend the following:

Life jackets (adult and child sizes)
Fire extinguisher and first-aid kit
Waterproof flashlight and flares
Whistle or horn
Extra water, snacks, and sunscreen
Maps or GPS
Bucket or bailer
Extra fuel

Tailor your packing list to the type of boat and your planned activities.

Always Have a Backup Operator

Every boat outing should include a second adult who can safely operate the boat in case of emergency. If you’re boating with children, this backup becomes even more important for peace of mind.

Know the Rules and Regulations

Boating laws can vary by state and even by lake. In Kentucky, boaters must follow specific rules on speed limits, navigation, and alcohol use. Always review local regulations, your boat’s operator manual, and U.S. Coast Guard guidelines before heading out.

File a Float Plan

Before boating in large or remote bodies of water, tell someone on shore about your trip. A float plan should include:

Description of your boat
Passenger names
Destination and expected return time
Contact information and emergency gear onboard

This small step can make a big difference if help is ever needed.

Monitor the Weather

Summer weather in Kentucky can change quickly. Always check the local forecast before your trip, and monitor conditions using a radar app. If storms or high winds are in the area, it’s safer to delay your plans.

Use a Spotter When Towing

If you’re towing skiers or tubers, assign a spotter to monitor the person being pulled. Use hand signals to communicate and follow all safety guidelines to prevent accidents.

Practice Courtesy on the Water

Good boating manners protect everyone. Keep a safe distance from other watercraft, avoid creating unnecessary wakes near docks, and follow posted speed limits. Respect for fellow boaters helps ensure everyone has a great day.

Talk to C.K. Ash Before You Launch

At C.K. Ash Insurance, we’ve helped Kentucky boaters protect their vessels and their loved ones for over 90 years. Before your next boating adventure, let us review your policy to make sure you’re covered for anything the water might bring.

Call us today at (859) 384-5200 or visit ckash.com to request a custom boat insurance quote.