You can use it, provided the owner is not aboard. If the owner is aboard, then the owner is responsible for towing the vessel, at least in TowBoat US's eyes.
Yeah, I have it... and I do sleep better knowing that I do. Just wonder how long till they start making "Are you the owner? Can you show proof?" a part of the questions they ask. Their site is pretty clear about being a guest on someone else's boat does not let you use your insurance.
But, I won't tell if you don't tell. Shhh.
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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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Still—DON'T READ THAT POST AGAIN.