Originally Posted by casey1999
Ok, here is the question. You hire or have come along someone that supposedly has more experience than yousellf to act as skipper. But part way through the trip you see somthing that is clearly not right in the way the boat is being handled or navigated. What do you do? Do you speak up and say somthing- and what if an argument starts. Whom has the ultimate responibility- the owner or skipper that is hired by the owner, or the owner? Unfortunately I did not go through the decusion points you mentioned before we left (next time I will). In one case as we were sailing very close to a reef, one of the sailors said "well if we hit it, you do have insurance right?" and he was not joking. I myself try to not use insurance if I can help it, as even with insurace, I've lost my boat and may not be able to insure a new one (too high of risk).
I would not trust the judgement of the "well if we hit it, you do have insurance right?" guy. My thought process is similar to David's, except I do teach. I also do skippered charters in which the charterer is responsible for the insurance. If they are uncomfortable, we do not do it. Likewise, if I am uncomfortable, we do not do it.
Much of my business comes from referrals. If I want to stay in business I need to be safe.
Also because I am certified and a "professional" there is likely a higher expectation of duty of care.