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Insurance
Matt,
Generally, I'd expect that you still have the same duty of care to passengers and other mariners as the Master of any vessel has, and this applies at some level whether or not passengers pay for services. A Master can always be held liable for damage caused by a failure to meet this obligation, whether the claim is by a member of the public, another Vessel, a friend or their next of kin.
You may also be viewed as having an enhanced duty to meet at least some minimal level of standard to meet special activity such as dive trips--especially if special equipment is involved.
It it were me, I'd contact my marine nsurance agent to be sure these activities are covered and coverage limits were adequate. I'd also consider having my guests sign a disclaimer of the kind you see dive shops offer. I'd blame it on your insurance company but would be interested in seeing if my friends considered ME to be their insurer. If you don't, your boat, your house and your retirement savings could become the insurance policy for an injured guest.
Your choice in good divers is a good start, but you can never be sure how they or their family might respond to an injury.
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