Is this typical contract verbiage? - SailNet Community
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post #1 of 21 Old 04-03-2020 Thread Starter
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Is this typical contract verbiage?

Never having done this before, I'm curious.

Hiring a captain to come with me to ensure that my trip to put the boat into storage goes without incident ... the contract states that I have to provide proof of insurance (no surprise) that also shows that the captain that I am hiring is covered by _my_ insurance.

Seems odd to me. I would expect these guys to have their own insurance. I'll be calling my insurer to find out if they provide that, but I thought it odd.
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post #2 of 21 Old 04-03-2020
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Re: Is this typical contract verbiage?

If he's the one in charge, then he needs to be on your insurance, IMO.

As a professional full time captain and when I did deliveries, it was up to the owner to see to the insurance. I produced a copy of my license when asked, and on full time jobs made sure the owner's rep kept the insurance current, but I never carried my own, except as a Divemaster through PADI.

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post #3 of 21 Old 04-03-2020
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Re: Is this typical contract verbiage?

Is there Errors & Omissions for professional crew?
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post #4 of 21 Old 04-03-2020 Thread Starter
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Re: Is this typical contract verbiage?

Quote:
Originally Posted by john61ct View Post
Is there Errors & Omissions for professional crew?
No.
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post #5 of 21 Old 04-03-2020
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Re: Is this typical contract verbiage?

My insurance covers anyone using the boat with my permission whether I'm aboard or not, check your policy.

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Re: Is this typical contract verbiage?

Insurance companies are looking for an out to not get stuck with the bill. If your Captain had his own insurance it would be likely your insurance company would sue his insurance company to pay for damages. I just got an offer for a buoy offer at my local marina. My insurance company has me include the marina and the US Park services as an additional insured.

An additional insured is to make sure an insurance company does not try to pass the buck.

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post #7 of 21 Old 04-04-2020
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Re: Is this typical contract verbiage?

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post #8 of 21 Old 04-04-2020
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Re: Is this typical contract verbiage?

When I take on a delivery my credentials are proffered to the client who inturn provides them to his underwriter who has final approval.

I will not take a job until the client provides such approval in writing from his underwriter.
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post #9 of 21 Old 04-04-2020
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Re: Is this typical contract verbiage?

Very common situation. Call your insurance company. You may even have to pay a few dollars (not large) to provide coverage to the crew.

There are some very important distinctions here. An authorized operator of the boat is nothing more than a qualification for the insurance coverage to be in effect for the owner. IOW, the insurance company will pay for damages, if said operator is at the helm.

However, if the operator themselves is not a named insured party on the policy (or added via a temporary rider), they are not protected from the insurance company coming after them for the losses they paid to the owner.

Personally, I've just paid the few extra bucks to add the deliver captain/crew to my policy temporarily. The rider is usually defined by a date range and passage. Much better than trying to sort out who is suing who after the fact.

Finally, the odds are higher you have a pro on your hands. Weekend warrior Captains often have no idea of the exposure.
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Re: Is this typical contract verbiage?

p.s. good to see you're still kicking around. Noticed you hadn't posted for a while, after a few boat prep gut punches.

Let us know how things settled down and what your plans are.
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