Quote:
Originally Posted by TiltonBB
Not to over think this but with 12 people and (possibly)  alcohol involved I would want to make sure everything was covered in full. If something were to go wrong, as the person who arranged the charter, you could be held somewhat responsible or at least named in any lawsuit.
I would ask for an insurance certificate and confirm that the boat's insurance company is aware that the boat is being used for a commercial operation.
I would also ask for a copy of the operators Commercial Boating License. That is not the standard NH Boating Certificate that most people have, it is a different license that requires passing a different NH state test.
Many people jump into a business without considering all the legal requirements. I have seen numerous ad's in places like Craigslist for car rides to the airport or shopping for a fee. In the event of an incident the insurance company's team of lawyers will be only too happy to claim that the type of use was not covered by the insurance policy. |
Unless the captain had been drinking I would think their insurance would tell you pound sand anyways. You get drunk and hurt yourself through no fault of the captain and now you want his insurance to pay? I own an insurance agency so I believe in insurance but how about a little personal responsibility. Maybe insurance wouldn't be so expensive if people had more of it.