Anyone who has lived in Buford, GA, for any length of time knows that summertime here revolves around the water. When it gets warm, Lake Lanier fills up with pontoons pulling out of Holiday Marina and the coves off Lanier Islands Parkway. And when you put that many boats together on the same water, the odds of a bump definitely go up.

GA Legal Requirements on Recreational Insurance and Watercraft

Georgia doesn’t require boat and watercraft owners to carry insurance coverage. However, any vessel with a motor must be registered, as must sailboats measuring 12 feet or longer. Additionally, anyone born on or after January 1, 1998, must complete an approved boating education course before operating a motorized boat.

Why It Still Makes Sense to Have Coverage on Lake Lanier

No insurance requirement sounds great at first, but there are a few things worth keeping in mind. Lake Lanier is the most visited U.S. Army Corps of Engineers lake in the country, and the section near Buford stays busy all summer long.

According to Georgia’s Department of Natural Resources, nearly half of all boating accidents in the state involve collisions with another boat or a fixed object. On a busy weekend with hundreds of boats on the water, all it takes for two boats to collide is a tight turn around an island or a wake someone doesn’t see coming.

What Recreational Insurance Can Do for GA Pontoon Owners

Recreational insurance from Town & Country Insurance is designed to cover exactly these kinds of incidents. The right policy will help cover damage to another person’s boat, as well as any repairs your own boat may need. You’ll also have some protection against the storms that build up over Lake Lanier.

Get Your Protections in Place Before You Launch

Nobody buys a pontoon expecting a rough day on the water, but once you leave the dock, you want to be able to relax. Get in touch with Town & Country Insurance to learn more about matching your coverage to how you actually enjoy the lake.

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Buford offers many opportunities for outdoor fun. More than 11 million people visit Buford Dam Park each year to hike, swim, picnic, and spend time with friends. Margaritaville at Lanier Islands provides a full day of beachside activities, and Lake Sidney Lanier is a favorite spot for romantic boat rides. With so many visitors enjoying the area, entrepreneurs have plenty of opportunities to start recreational businesses. Before you launch your venture, it is important to ensure you have the right recreational insurance to protect your business from financial losses due to unexpected incidents.

What Does Commercial Recreational Insurance Cover?

The protections offered by a commercial recreational insurance policy will vary based on the coverage you choose. Each policy includes specific terms, conditions, and limits. At a minimum, your policy should include liability coverage and property coverage.

Liability insurance helps protect your business if a customer is injured while using your equipment or participating in an activity you provide. Property insurance helps cover damage to your equipment, facilities, and other business assets.

If you hire employees, you will also need insurance that protects them if they are injured while working. If your business uses vehicles, such as cars, vans, or boats, you will need auto or boat insurance to protect those assets as well.

Call Town and Country Insurance for More Information

Choosing the right recreational insurance policy can feel overwhelming. The team at Town and Country Insurance is ready to help Buford, GA, businesses compare coverage options and find policies that match their needs and budget. Contact us today to ask questions, learn more about available coverage, and request policy quotes.

Not every investment in property you make is going to be a significant one. Let’s say you like to go camping occasionally, and you’ve acquired a few cheap recreational vehicles to make your experience more fun. Because of the low price point, you might think that getting insurance isn’t worth it. After all, you can just replace them easily if they get damaged during your adventures. But is this the right move? Let’s look at whether you need recreational insurance, and why you should come to us at Town & Country Insurance, serving Buford, GA, to get it!

Is It Worth Getting Coverage for Cheap RVs?

When it comes to RV insurance, the price tag of your RV isn’t the only consideration. For example, you might not be too concerned if you wreck it by yourself. But what happens if you get into an accident with a driver on the road or another RV driver? If this happens, you could be on the hook for the full cost of the accident, something you might not be able to afford without insurance. Remember, recreational insurance covers more than just the cost of your RV. It’s designed to protect you against accidents and other damages that you would otherwise have to pay for out of pocket. So, is it worth getting recreational coverage for cheap RVs? If you don’t want to spend a ton of money in the event of an accident or property damage, absolutely!

Find Recreational Insurance With Town & Country Insurance

You can trust Town & Country Insurance, serving Buford, GA, to help you find recreational insurance that works for you. You can get started by comparing quotes with us!