No problem. In NYS you only need a "Boater Education Card (Not an operator's license) if you were born after May 1, 1996. https://www.boat-ed.com/newyork/boa...T1dA2dq3wM014WNJenV50pjddy1qBVLwwQaAvRB8P8HAQ The course is one day, 8 hours including breaks, and cost $60. (Call me a skeptic, but I'm pretty sure that the $60 more important than what you learn in those 7 hours. I prefer people to take the USPS or USCG Auxiliary Basic Boating course, but any education is better than none. Where you may be getting confused is that, although there is no legal requirement, most insurance companies will require you to run with a captain for your first season or so when you first get a boat over about 50'. But again that all depends on your experience and how much your insurance company likes you.