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HelloSailor, I am actually a licensed insurance agent in NY State. Yes, you are correct in stating that you may spend alot of money just defending yourself. Unfortunately that is true in any legal situation. This would also mean that the deceased family has an equal amount of money to throw away. No attorney will work for free. Especially if there is no proof that the skipper killed his friend by being purposefully neglectful. Again, I believe this situation absolutely requires a hold harmless agreement. The same agreement you would have your roofing contractor sign.
Also, I think the softball coach is safe.
Last edited by 42ndstreet; 03-20-2007 at 11:24 PM.