What most boat owners in Florida don’t realize could cost them everything.

On this episode of Chapman On Air, Mia Rae Stephens sits down with Alex Hernandez, CEO of Norvos Insurance, a marine insurance expert with 16+ years of experience, to break down what boat owners must know before they hit the water.

If you own a boat—or plan to in Southwest Florida—you need to hear this.

From hurricane damage and liability risks to coverage gaps most boat owners never think about, this episode breaks down what really protects your vessel when things go wrong on the water.

Hosted by Chapman Insurance Group, the conversation explores:

• Why boat insurance is often misunderstood (and not required—but essential)
• The difference between agreed value vs. actual cash value coverage
• How hurricane preparation can actually lower your premium
• Real claim stories that show why the right policy matters
• What boat owners consistently underestimate about liability risk

Alex also shares insights from nearly a decade in marine insurance and explains how the right coverage decisions can prevent major financial loss.

This episode will change how you think about protecting your vessel—and yourself. 👉 Listen to the full episode now

🎥 Prefer video? Stream here: https://youtu.be/Z86FlU8jwYc