Our free BoatU.S. Foundation Life Jacket Loaner Program is ready to serve you this summer, and we’re making borrowing right-sized life jackets even easier.

Child wearing a red life jacket and blue hat stands near the water while an adult adjusts the life jacket straps beside a boat.

In June 2022, Barbara Ann Benson, who had 27 years of experience at the helm, took out her bowrider on New York’s Hudson River with two other adults and five children aboard. Before departing that day, she stopped at a local boat club to borrow children’s life jackets from a BoatU.S. Foundation Life Jacket Loaner station because she didn’t have the correct sizes aboard for her young guests.

As the group headed home after spending a fun day at a popular anchorage, wind-driven waves combined with the wake of a passing commercial vessel came over the bow and swamped the boat, leaving everyone aboard up to their waists in water. Thanks to assistance from local police and fire rescue as well as good Samaritans, the eight aboard were safely returned to shore and the boat was recovered.

After the event, Benson said, “That afternoon was very stressful as it all happened so quickly. But just knowing that everyone was wearing a properly fitted life jacket helped us get through the emergency and be able to talk about it.”

While the BoatU.S. Foundation doesn’t know just how many of the life jackets it loans at no cost have helped save lives, accounts like this one highlight the ongoing importance of the program, which has been around since 1997. Now almost three decades later, the program has built up some 600 loaner sites nationwide, and those life jackets are loaned around 140,000 times each year.

The BoatU.S. Foundation for Boating Safety and Clean Water needs your help. We offer the only FREE online course that meets boating safety education requirements in 38 states. Please help us keep this and other valuable programs, such as our Life Jacket Loaner Program, accessible to all by making a tax-deductible donation of any size today. Visit BoatUS.org/donate to support our work to ensure safe, clean, and responsible boating. Thank you!

Improving Access

Whether you have extra guests aboard or you discovered your youngster has suddenly outgrown the life jacket that fit last year, borrowing a life jacket for a day or weekend is easy: Visit BoatUS.org/LJLP and use the map search to find life jacket loaner sites near you. Sign out one or more jackets as needed at no cost. When finished, return the life jackets to the site. Easy-peasy.

Even so, the folks at our BoatU.S. Foundation have wondered whether the checkout process could be even easier and more accessible. So they applied for – and won – a grant through the Sport Fish Restoration and Boating Trust Fund, administered by the U.S. Coast Guard, to pilot several new life jacket loaner options. These include new digital lockers, unmanned loaner sites, and digital checkouts.

The pilot sites will also include enhanced life jacket education, including QR codes that can be scanned to access fitting guides and videos. By the time you read this, some of these new pilots will be available at up to 150 loaner sites across the country.

According to Tiffany Gonzalez, BoatU.S. Foundation program manager, these pilot models represent an evolution of the Foundation’s long-standing Life Jacket Loaner Program. “They allow us to connect with sites and borrowers in smarter ways, helping us better understand community needs, best practices, and program impact,” she says.

Insights collected during these pilots will help inform the industry with data-driven best practices for increasing access to life jackets and improving proper wear. “BoatU.S. Foundation is committed to finding innovative ways to expand access while reducing potential loss to ensure programs like this have the greatest impact,” adds Gonzalez.

Infographic showing step-by-step instructions for properly fitting a life jacket, including checking the label for size, putting it on, securing all straps and zippers, and testing the fit by lifting at the shoulders.
Tip

Visit BoatUS.org/life-jacket-loaner/state-requirements to find a list of life jacket requirements by state.

U.S. Life Jacket Requirements

Federal law requires a life jacket for each person aboard a recreational vessel. The life jackets must be Coast Guard-approved, in serviceable condition, and appropriately sized for the intended users. On a vessel underway, children under 13 years old must wear an appropriate Coast Guard-approved life jacket — with some exceptions, such as when they’re belowdecks or in an enclosed cabin.

For waters entirely within the geographic boundaries of any state that has established a child life jacket wear requirement, the state’s law takes precedence over federal. Each state may have additional wear requirements, such as for water skiing, personal watercraft operation, during certain cool-weather months, and more. — S.W.

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Published: May 2026

Author

Stacey Nedrow-Wigmore

Managing Editor, BoatUS Magazine

Stacey is an award-winning marine journalist and photographer who, as BoatUS Magazine's managing editor, handles some of the national publication’s most complex features, as well as keeping it on time, accurate, clear, and timely. Stacey also manages the magazine’s active website and social-media engagement, and is part of the BoatUS video team, helping to produce more than 30 how-to videos a year. Stacey recalls that one of her earliest memories in life includes being hung by her ankles in the engine compartment of her family's 1963 Egg Harbor, helping with repair work and searching for lost items. Her love of boats may only be matched by her love of horses; she spent 20 years writing, editing, and photographing for equestrian magazines and books — including Practical Horseman