Personal Watercraft Insurance, Have Safety Supplies on Board.
You want to always have and maintain safety supplies. Safety supplies include having a fully stocked first aid kit, adequate drinking water and food to last for all the passengers for at least a few days, and at least one change of clothes for each person in case someone falls overboard or gets wet some other way. Other things you may want to consider are pocket warmers and hot beverages or soup in thermos containers if you do not have a galley kitchen.