Wow! The Tioman Island boat ride was spectacular. Coral reef was only inches away from the surface and the coral fishes were even more magnificent. I wonder, those boat operators must make a lot of money sending tourist back and forth to Coral Island. Safety should be the number one when operating a tourist boat. Insurance is a must. Marine Insurance Coverage is the technical term for the Insurance industry that covers boat (large or small) incase anything happens. American Marine Insurance Service provides a good coverage and they have been around for the last 25 years or so. That speaks volume of their capability to provide a professional service to boat owners. What kind of coverage you ask? Well how about Protection & Indemnity (P&I) Liability vs. Watercraft Liability, Medical Payment Coverage, Uninsured Boater Coverage and Towing Coverage (most important I think). Marine Insurance, you just got to have it.