Boat and yacht builders face complex risks in their chosen industry. Fumes from residual materials in tanks can create both health and fire hazards. Areas that have contained combustible liquids or gases in bulk are potential fire hazards. Spaces that are adjacent to locations that have contained hazardous materials may contain hazardous gases as well.

With all of their experience in this field they can still fall victim to accidents or making costly mistakes. They need the protection provided by insurance programs for boat builders that you can provide to protect your insureds needs. This includes covering vessels they create, or yachts and boats that are left in their care.

Other discernible hazards

Asbestos fibers are another common concern for those in this industry as they are often the cause of respiratory damage and chronic disease. Oxygen-deficient atmospheres can cause asphyxiation hazards when gases displace oxygen, which can result from fermentation of cargos, dry ice refrigeration, and cargos that absorb oxygen (e.g., molasses, rusted scrap iron, and various vegetable drying oils in bulk).

Compartments that have been recently painted and that are not ventilated, or that have been sealed for an extended period of time may be oxygen deficient, even though tests do not indicate the presence of flammable or toxic contaminants. Solvents, oils, pigments, anti-fouling and anti-rust additives released during painting operations create both health and fire hazards. Whether providing solutions for your private or commercial clients, they’re depending on you to understand these exposures and get them access to the insurance policies that address their unique exposures.

Areas of concerns

During outfitting, workers from different trades work together in confined spaces, thereby exposing each other to contaminants. Periodic checking of confined spaces and tanks on vessels that have carried gasoline and volatile crude oils is required, because rust can continue to dissipate vapor after tanks have been cleaned, and the pumping of ballast may introduce vapor from remote areas of tanks and pipe lines.

Welding in confined spaces can yield high concentrations of toxic airborne contaminants. For example, welding where surfaces are coated with lead- and chromium-based finishes and galvanized zinc coatings can yield substantial exposures to hazardous materials.

These are all serious health concerns that insurance programs for boat builders can readily address and ensure that your clients have a policy that reflects these issues and provide the proper coverage to alleviate any concerns.