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Old 03-11-2013
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Re: Professional Liability Insurance for delivery or hiring crews

Andrew, dawg's question asked about delivery skippes protecting themselves, i.e. liability insurance. That is totally unaffected by whatever insurance the boat owner has, because even if the boat owner is fully insured? The insurance company will then proceed to sue the delivery skipper to get back everything they paid the owner.

That's the way it works. The only thing that will protect your assets, if you are the delivery captain, is professional liability insurance. Personally liability or umbrella coverage could exclude any business related activities, so you'd have to check for policy exclusions. And of course, it wouldn't necessarily be a business expense either.
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