...Risk management/accident avoidance & exposure/loss reduction specialists...etal...are large departments at ALL insurance companies...these are the people you want to talk to about, real or imagined, "near misses"...ANY intelligent "camp director", wouldn't need the insurance company to TELL him that it is probably not a good idea to let the kids run amuck in boats they aren't too skilled at operating, on Lake Winnipesaukee, on weekends, and national holidays...due to sheer numbers (density), ratios of probability, & observational anomalies...when I was a kid and the lake was busy on weekends, we'd sit on the dock and watch the show...it ALWAYS thinned out sooner or later...believe me, insurance companies look at this stuff...have you bought a lift ticket lately.?..I rest my case...ask your camp director friend if his risk manager has looked at his operation...YET...a risk management analysis is almost mandatory these days...NHB...I vote common sense...
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