Since incorporating my business as a freelance Captain, I have been running with the assumption that I am covered by the owner's insurance. I have even drawn up a liability waiver so that there is no misunderstanding that I do not have insurance. I looked into getting insured, and the closest policy I could find was somewhere near $20k! There does not seem to be a policy which covers a freelance Captain running different vessels each week. Has anyone had a different experience?