In this episode of the Lower Chesapeake Bay Fishing Report, host Joe Baya and co-host Butch Thierry dive deep into a topic every boat owner needs to understand: the critical differences between boat towing and salvage, and how to ensure you’re truly covered when the unexpected happens on the water.

Joe and Butch are joined by Captain Joseph Frohnhofer III, CEO of Sea Tow Services International, who brings decades of maritime experience and industry insight to the conversation. Captain Frohnhofer breaks down what “salvage” really means, how it differs from a standard tow, and why understanding your insurance policy’s fine print can save you from costly surprises. The discussion covers real-world scenarios where boaters thought they were protected—only to find out the hard way that insurance or towing memberships didn’t cover salvage situations.

Captain Frohnhofer shares practical advice on how to review your policy, ask the right questions of your insurance provider, and prepare your boat ahead of storm season to minimize risk. Listeners will also hear personal stories from the hosts and guest, including close calls on the water, lessons learned from storms, and tips for creating a solid storm plan.

The episode wraps up with actionable steps every boater can take to protect their vessel, their wallet, and the environment. Whether you’re a seasoned captain or a weekend warrior, this episode is packed with expert guidance, cautionary tales, and essential information to help you navigate the complexities of boat ownership and stay prepared for whatever the Gulf throws your way. Tune in and make sure you’re ready for the next time you hit the water!