I posted a question not long ago, asking if any professional delivery captains carry professional liability insurance just like doctors, surgeons, nurses, and etc. I got no response. It appears that most are defer to the boat insurance of the owner. To me either they are very poor and just so uninformed.
I doubt it. I suspect they do not wish to reveal the existence of insurance on a public forum because it would invite lawsuits. I would also guess many of them operate their business through an LLC or other entity to reduce their personal liability and may have employed other asset protection strategies so their personal assets are not at risk.
As a lawyer, I carry professional E&O insurance, although I am not required to. You can check whether an attorney in Virginia has E&O by going to the Virginia State Bar website and look up the attorney's name. (You can also find out whether a lawyer has been disciplined or is in good standing.) We are required to reveal whether we have insurance and the public has a right to know, according to our regulations.
It seems the professional delivery captain business has little, if any, similar regulation.
We become the nation of blame. So you go out to kill yourself and you can sue the NWS and CG not saving you fast enough. Where the Hell it will end?
I agree. Personal responsibility is eroding in the U.S. More people do see themselves as helpless victims. I blame the outrageous verdicts on the jurors, not the lawyers. Many people seem to have no idea of proportionality in awarding damages, particularly against corporate entities.
However, many on this listserv seem content to avoid or dismiss their potential liabilities as captain of a vessel. They also seem to minimize the fault of the captains when we critique these mishaps, as if the mere fact of going to sea in a vessel absolves one of all responsibility for any mishap.