Fall Boating Safety

Did you do the ice bucket challenge this summer? If so, you may have realized how frigid cold water can be and thats only a buckets worth. Imagine being in water that cold in the middle of a lake. Fall boating is an ongoing concern with less boats on the water meaning a lot less help if something goes wrong. Planning for these trips will overall reduce the risk and could possibly save lives. Below are some key points to consider when taking that last boat ride of the season. 

Watch the Weather


Keeping an eye on the weather not only can keep you dry but it can also save you from lightning risks and strong winds creating large waves that could be dangerous in a smaller vessel. whether it is having a weather radio for a long trip to checking a radar map before a short trip checking the weather never hurts.



Let others know of your trip plan

Letting a friend or parent know where you are going is a great idea as they can be your saving grace if something does happen. With todays technology sending a text or giving a quick call to tell them where you are going and what time you will be back can be a very appropriate failsafe.


Carry a Communication device


Having a VHF radio or a cellphone in a waterproof case is highly recommended. 90 percent of the time you wont have to use it, but its the 10 percent where you will need it. Accidents can happen and having a line to reach an emergency service can just be enough to save your life.


Warm September weather

Warm september days does not mean the water is warm at all, fall nights usually create frost and these overnight temperatures can add up very quickly to create frigid fall water temperatures.


Wear life jackets

Wearing a lifejacket can save 50 percent of your energy if you fall overboard. When you are put into a stressful cold situation this can be the difference to increase your odds of survival.


Fuel Line Antifreeze


Fuel line antifreeze can prevent condensation from freezing in the engine ports and making the boat stall.  In the summer boats often get moisture in the engine but it just gets flushed out with the gas. As condensation freezes with cold fall temperatures this can cause havoc when you are out in the middle of a lake.

Fall non motorized

When headed out on the lake remember the possibilities of capsizing especially in smaller vessels. The potential in a canoe or kayak for flipping over is much higher, keeping this in mind it is highly recommended to stay near shore and also to wear a wet/dry suit. Wearing a wet/drysuit at the time may seem awkward or silly but when you fall in you will be glad you did.

Safety position

If you are to fall overboard or your boat capsizes, remember to stay calm, find other people to huddle with in the water. If you are alone float in the "fetal like" position to keep as much body heat around you as possible. Remember first do not panic, second find others, third plan your rescue. Being rescued should be a priority but sometimes being in the middle of a lake may not make this step easy. Get your vhf radio or cell phone and call emergency services and if you cannot find a communication device have your flares or a whistle at hand incase another boat is within your vicinity. 


Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.