Saturday is scheduled to be a beautiful day offshore, and it’s all you can do to get through the workweek. You call the marina to have your boat put in the water. You tell your buddies to meet you at the dock to drink some cold ones and get rigged up for the following day. You leave the office with a big smile on your face as you hop into your truck, daydreaming about pelagics dancing through your spread. However, when you pull into the marina, you notice a large group of people gathered around the dry stack. You push through the crowd and see your beautiful boat tilted over on the concrete. Your boat fell off the forklift! Not only is your weekend ruined, you are in a state of panic because your baby is lying there helpless on the ground, battered and beaten. But deep down inside, you find comfort and mutter to yourself, “Thank goodness
I have insurance.” Not so fast.