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post #10 of Old 03-11-2013
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Re: Professional Liability Insurance for delivery or hiring crews

Hellosailor makes an important distinction between a boat policy and general liability policy. The general liability policy would cover the captain against actions against him/her, not necessarily for damage to the boat. For instance I would want a general liability policy to protect me if my actions caused an oil spill at a fuel dock while making a delivery for hire. I imagine that the dock owner's insurance would come after me personally and the boat owner's insurance company as well. The boat owner's insurance company would not want to be on the hook for my actions at the dock, and since there is no damage o the boat I can see where they would all look at me for liability.

Just a thought.

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