In our modern, risk-adverse world there is seldom the opportunity to stand alone, to be self-insured as it were. Gone are the days that the average sailor can comfortably say, “If something breaks, I’ll just fix it!” With ever more complex systems aboard our boats, repair for even minor mishaps can become prohibitively expensive. In our marine world, comprehensive insurance policies are the norm, probably demanded by the marina we call home and the marinas we visit.
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