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Personal Liability Insurance

Discussion in 'Licensing & Education' started by clivesail, Jul 7, 2021.

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  1. clivesail

    clivesail New Member

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    erie
    I have USCG/MMC with Aux Sail endorsement for vessels<50 GRT.
    Thinking of helping out a friend who wants to charter his 40' sailboat for 'sunset cruises' on a Great Lakes Port.
    What kind of Insurance does one need and other 'contractual issues' should one consider, before embarking on such a scheme? Many Thanks!
  2. clivesail

    clivesail New Member

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    Hmmm....97 views and No replies?....no lawyers in this Forum?
  3. d_meister

    d_meister Senior Member

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    San Diego, CA.
    I shopped for insurance when I first became licensed. The broker, a large, well known yacht insurance brokerage in the area as well as in the industry, told me that there was no specific insurance available as an operator of a vessel as the vessel insurance covers an authorized operator. Speak with your friends agent and obtain documentation naming you as "also insured". That will also permit you to gracefully be sure there is insurance in effect, and also appropriate for the intended activity. That's standard protoc0l for boatyards and marinas when a vendor operates on their property. Seems similar, to me, but let the experts weigh in.
    In my case, the wide range of values of the variety of vessels operated as a licensed delivery skipper makes it impossible to determine the policy limits as well as the premium value. I did have insurance for my work as electronics installer and vessel maintenance, which also permitted incidental operation of customer vessels.
    Many things have changed in the insurance industry, since then, but at least you have a reply!
    clivesail likes this.
  4. Pascal

    Pascal Senior Member

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    thank god we don’t have any sharks here ...
    clivesail likes this.
  5. Capt J

    Capt J Senior Member

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    Insurance on the vessel that covers charters and the captains that run the vessel.
  6. Capt Ralph

    Capt Ralph Senior Member

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    We had company insurance but never brought it up during discussions for delivery & sea trials.
    I just ensured I had a letter from the owner and hopefully their boats insurance company, stating I was authorized to operate the boat.

    I recall this was a YF topic up before but long ago. Do some searches on this site about this. recall some tight neck ties were talking then.
  7. petrel

    petrel Member

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    As others have said, have the owner arrange for the additional coverage on the vessel policy he holds. His agent can modify his coverage accordingly.

    Years ago our captain wanted to run a few charters. The increase in premium for that was nominal. However, I bumped up the liability considerably, which was a bit more expensive.
    clivesail likes this.
  8. Norseman

    Norseman Senior Member

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    Using your boat…?:eek:
  9. petrel

    petrel Member

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    Yes