While I don't generally charter boats, I don't see how the acting captain of a chartered boat could be held "liable" for an illness, unless it was food poisoning of some sort...
Also, what do you mean by accident... someone tripping down the companionway because they are drunk is an accident, but so is ramming another boat or running someone over with the dinghy and chopping their leg off with the dinghy's outboard motor.
Also, what do yo mean the per-person cost of the charter is made through the skipper? Do you mean that the skipper has paid the charter company and that each of the participants in the charter have paid him, rather than the charter company directly??
Also, the people I consider my friends aren't generally the kind to hold me liable, even if the accident was my fault... you seem to have a strange definition of friendship IMHO.
You might want to think about what you're really trying to ask about and clarify the questions you ask a bit more.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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