For every boat that sinks at sea, four actually go down while tied safely to the dock. It is a startling reality that the vast majority of maritime losses happen when the owner is not even on board. Understanding the com…

Imagine you're sitting at home while a heavy rainstorm rattles your windows, and you find yourself wondering if your shore power tripped or if your boat is slowly taking on water at the marina. It's a heavy, nagging anxi…