What Every PWC Must Have


What Every PWC Must Have

Personal watercraft (PWC) has become a popular way to enjoy the waterways because of their speed and agility. But, as with any recreational vehicle, there are specific safety and insurance considerations that PWC owners must consider. In this article, we’ll discuss the requirements necessary for every PWC

What Are the Operational Requirements for PWCs?

Personal watercraft (PWC) are small high-performance watercraft transport that requires careful and responsible operation to ensure safety on the water. Below are some of the operational requirements that PWC operators must follow:

Fire Extinguisher and Emergency Signaling Devices: PWCs must have a marine-rated fire extinguisher and emergency signaling devices, such as a whistle or horn. These devices should be easily accessible in case of an emergency.

Personal Floatation Devices (PFDs): PWC riders must wear properly fitting, Coast Guard-approved PFDs. Wearing them is not only required by law in most states but also essential for personal safety.

Capacity Limits: Operators must adhere to the manufacturer’s listed capacity limits for people and equipment. Following these instructions is essential to prevent instability and increased risk of accidents.

Registration: Registering PWCs with the state and visibly displaying the registration number is mandatory. 

Boating Education Course: Some states require PWC operators to take a boating education course before operating a PWC. Owners should check local laws and regulations before heading out on the water. Even if not required, a course can help them learn vital safety procedures and become more responsible when operating a PWC.

In addition to these Coast Guard requirements, PWC operators should follow general safety practices, such as maintaining a safe distance from other boats and swimmers, avoiding dangerous maneuvers, and being prepared for emergencies.

How Does Personal Watercraft Insurance Work?

PWC insurance is like any other insurance product – paying premiums in exchange for protection from certain risks. Depending on your client’s vessel’s size, age, and intended use, the premium costs may be relatively affordable or pricier.

When it comes to what’s covered, it can vary depending on the policy. Some policies offer watercraft liability coverage for injuries to people other than the PWC owner and family, guest passengers, and medical coverage for injuries to the owner and their family. However, some policies may require operators to purchase additional liability coverage as an add-on.

About Merrimac Marine Insurance

At Merrimac Marine, we are dedicated to providing insurance for the marine industry to protect your clients’ business and assets. For more information about our products and programs, contact our specialists today at (800) 681-1998.