Professional Liability Insurance for delivery or hiring crews
1. For those professional captains whose main source income is from delivery, and charge $300 to 1000 a day, do you carry your professional liability insurance for yourself?
2. For those part time delivery captains, do you have your professional liability insurance or you intend to default to your personal umbrella insurance.
3. For those captains who is hiring a crew for cruising, do you have a specific crew insurance in your boat policy or you reply your own person umbrella policy.
We all hate this stuff, but ignoring it does not make it go away. How you do protect your nest egg?
I am old school. Integrity is to do the right thing even when no one is watching.