Boat Hurricane Plan Generator
Named-windstorm cover in the Lloyd's market requires a signed hurricane plan and carries a 10% deductible during the Atlantic season, June 1 to November 30. This free generator builds that plan for your boat in about three minutes and downloads it as a signature-ready PDF.
Answer six short steps. The plan assembles on screen as you type, and the finished document states everything an underwriter expects a hurricane plan to state.
- 6 steps
- about 3 minutes start to finish
- 10%
- named-windstorm deductible with a signed plan
- Jun 1 to Nov 30
- Atlantic hurricane season (NOAA)
- $0
- free, no account needed
World Yacht Insurance
Hurricane Preparedness Plan
Unnamed vessel
Fields you complete appear here as the document builds.
Vessel
Equipment to remove or secure
- Sails off, or storm-furled and lashed
- Canvas, bimini and dodger off
- Dinghy and davits cleared
- Outboard stowed below or ashore
- Loose electronics below
- Papers and valuables ashore
Owner signature
Date
Why insurers require a signed hurricane plan
In the Lloyd's market, named-windstorm cover is conditional: the LMIS policy wording asks for a signed hurricane plan, and named-windstorm claims carry a 10% deductible during the Atlantic season, June 1 to November 30. No plan on file can mean no windstorm cover when it matters most.
- The plan is a policy condition, not a courtesy. Underwriters agree named-windstorm terms on the basis of what the signed plan states.
- The 10% named-windstorm deductible applies alongside the plan; the plan does not remove the deductible, it makes the cover available at all.
- Many Caribbean and Florida marinas separately require a hurricane plan on file before issuing a seasonal berth contract, so one document does two jobs.
- A written, staged plan turns a 72-hour scramble into a checklist you have already rehearsed, which is why insurers reward boats that have one.
What underwriters look for in a hurricane plan
Seven elements, taken from the requirements the LMIS policy wording sets for a signed plan. The generator's checklist maps to them one for one.
- 1
Primary berth
Where the boat lives during the season: marina, dock type and location. Underwriters price windstorm exposure by where the boat actually sits.
- 2
Named-storm strategy
Haul out, hurricane hole or marina tie-down, stated as a decision, not a list of options. Haul-out ashore with a yard contract reads strongest.
- 3
Haul-out contract
If the strategy is hauling out, the yard's name and whether a contract or reservation exists. Yards fill up days before landfall; a contract is the difference.
- 4
Responsible person
A named local contact with a phone number, authorised to act when the owner is away. Absentee boats without one are the classic windstorm loss.
- 5
Equipment removal
Sails, canvas, dinghy, electronics and loose gear. Windage rips first and becomes the projectile that damages the next boat.
- 6
Staged timeline
Actions pegged to 96, 72, 48 and 24 hours before forecast arrival, so the plan executes on the forecast track rather than on the warning.
- 7
Signature and date
The wording asks for a signed plan. Print the PDF, sign and date it, and keep a copy with the policy papers and one at the marina office.
Boat hurricane preparation: the staged countdown
The plan on paper is half the job; running it early is the other half. This is how the stages play out against a real forecast.
- 1
Activate on the forecast track, not the watch
Start the 96-hour stage when the National Hurricane Center's forecast cone includes your area. A hurricane watch already means possible hurricane conditions within 48 hours, which is late for a boat still rigged.
- 2
Move or deliver the boat early
Haul-out queues and hurricane holes fill from 72 hours out. Owners who move at 96 to 72 hours get the yard slot and the protected swing room; owners who wait get neither.
- 3
Strip the windage
Sails, bimini, dodger, dinghy and anything loose on deck comes off or goes below. Windage is what tears boats off docks and moorings, and flying gear is what damages neighbouring boats.
- 4
Photograph everything at 48 hours
Blocked, strapped, doubled lines, chafe gear: photograph the finished preparation. If a claim follows, dated photos of the executed plan are the evidence your broker wants.
- 5
Leave at 24 hours
Close seacocks, shut down systems and get ashore. No boat is worth riding out a hurricane aboard, and rescue services stand down at the height of the storm.
- 6
After the storm, document before you move anything
Photograph any damage as found, prevent further loss where safe, and notify your broker before starting repairs. Claims settle faster when the record starts at the scene.
Keep planning: when is hurricane season in the Caribbean, boat insurance cost calculator, worldwide yacht insurance, liveaboard insurance, bluewater and offshore insurance, charter yacht insurance.
Hurricane plan questions, answered
What is a boat hurricane plan?+
A short signed document stating where the boat will be during a named storm, who acts if the owner is away, what equipment comes off, and the staged actions before landfall. In the Lloyd's market it is a condition of named-windstorm cover under the LMIS policy wording.
Is a hurricane plan required for boat insurance?+
For named-windstorm cover placed at Lloyd's of London through London Marine Insurance Services Ltd, yes: the policy wording requires a signed hurricane plan, and a 10% named-windstorm deductible applies during the June 1 to November 30 Atlantic season. Requirements vary in other markets, and many US insurers and marinas ask for a plan as well.
What should a boat hurricane plan include?+
Seven elements: the primary berth, the named-storm strategy (haul out, hurricane hole or marina tie-down), a haul-out yard and contract where used, a responsible person with a phone number, an equipment-removal list, a staged 96-to-24-hour action timeline, and the owner's signature with a date.
When should I activate my hurricane plan?+
When the National Hurricane Center's forecast track includes your area, not when a watch is issued. A hurricane watch means hurricane conditions are possible within 48 hours and a warning means they are expected within 36 hours (NOAA definitions); a boat still rigged at watch stage is behind schedule.
Does hauling out remove the 10% named-windstorm deductible?+
No. With a signed hurricane plan in place, named-windstorm claims during the season carry a 10% deductible of agreed value under the LMIS wording. Hauling out sharply reduces the chance of a loss, which is why underwriters favour it, but the deductible is set by the policy, not by the strategy.
Reviewed by Costas Matheou, licensed insurance agent (Cyprus).
Coverage terms, premiums and deductibles on this page are indicative and not financial advice. Cover is subject to underwriting, survey and the policy wording.
Plan signed? Now check the cover behind it.
Named-windstorm cover, agreed-value hull and liability up to $5M, placed at Lloyd's of London through London Marine Insurance Services Ltd. Pre-qualifying quote in about 48 hours.