The general consensus in the industry, to which the insurance companies have jumped on, is every ten years for recreational and every six to ten for commercial/charter/inspected etc.. This is not just US insurers European insurers go by the same 10 years...
If your vessel has standing rigging that is beyond ten years old....
GET A RIGGING INSPECTION, IN WRITING, BEYOND YEAR TEN
If your rig fails and you don't have a current rig inspection the insurer will most likely say:
"Sorry this failure was due to lack of maintenance, you're not covered.".....
Having had a mast come down, on a delivery, that had just been fully inspected and signed off on, and it was just barely over ten years old, I bet you know when I replace mine.. I don't gamble and I don't play Russian Roulette either....
