There are many different ways in which marinas can allow people across Canada to have a good time in the summer, or even earn a living year-round. However, the operation of these types of facilities carries with it a number of ongoing risks of which owners have to be aware at all times. And to that end, it’s vital that they do all in their power to ensure that they’re fully protecting themselves when it comes to their insurance policies, because any shortfalls in this regard can prove quite costly in the event of an accident.
One such unfortunate circumstance recently arose at a marina in Keswick, Ontario, a little more than an hour north of Toronto, according to a report from the Georgina Advocate. There, an employee was pinned beneath a front-end loader, resulting in a broken leg and a trip to the hospital. As a result of the accident, the marina itself was hit with three orders and a requirement, and was subject to an investigation that may have hindered business, because it required the equipment that caused the accident to be shut down during the process.
Meanwhile, depending upon a number of factors, issues that are beyond the control of any person can also cause major problems when boaters are out on the water, according to the Toronto Star. Indeed, recent rough weather on Lake Ontario resulted in a number of boats and other watercraft capsizing near Toronto. Initially, everyone affected by the accidents was able to make it to shore either on their own or with the help of rescue crews and good Samaritans.
Fortunately, no one involved in these accidents was in bad enough shape to be sent to the hospital, as all were assessed by paramedics at the scene and released, the report said. After a handful of such incidents in just a few hours, police in the area issued statements on social media urging caution when going out on the water in stormy conditions.
What’s the good news?
Indeed, part of the reason why there may not be many difficult situations even in the worst conditions on the water is that emergency response crews regularly drill for such incidents, according to the Shoreline Beacon. One such trial run recently took place on Lake Huron in Port Elgin, Ontario, where authorities staged a collision between a boat and a jet ski with four would-be victims.
The time between the first call to emergency crews and getting the final victim into an ambulance and on the way to a hospital was less than 25 minutes, the Beacon noted. Shortly thereafter, officials said the drill was important because while there hadn’t been any boating accidents of that type in their vicinity for some time, there had been a number of close calls that could have gone a lot worse.
With all this in mind, marina owners will need to make sure they have plenty of insurance coverage for accidents that take place both on the shore and in the water so that they’re fully covered regardless of what happens.