b'FOGHORN FOCUSMarine InsuranceCOSTS, FACTORS, AND BEST PRACTICESSCOTT WHITEHILL // GALLAGHERP VA operators have seen rising costs on almost all their goods and services the past several years. Items like the food and beverage, the cost to dry dock a vessel, and labor are more self-explanatory,butwhataboutanexpensivelineitemlikeinsurance?Whatarethefactors that play into the rising costs of insurance? Why are they impacting you? How can you best combat these rising costs?PHOTO: :JACOB LICHT / UNSPLASHFOGHORN 26'