Join Date: Apr 2006
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Bryan, a VERY good question and I suspect there is no simple answer. Liability will be determined by the laws where ever you are chartering, and, by the laws governing the vessel's flag. And, if you are all citizens of the same place, a third set of laws.
I wouldn't even begin to guess what kind of goatfest (PG13) that could become in the various courts. Civil and criminal liabilities, maritime and international laws...and as Keelhaulin mentions, forget about your friends, because you may be dealing with vengeful estates and surviving relations.
Perhaps a liability umbrella from your homeowners or auto insurance? Or it might be worth asking a charter company if they offer some type of "skippers liability" policy as an option?
You raise a very interesting question!