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How to explain Liability to boat owner (in simple examples)?

Discussion in 'Dive Insurance' started by Zeke XA3, Sep 9, 2020.

  1. Esprise Me

    Esprise Me Kelp forest dweller ScubaBoard Supporter

    # of Dives: 100 - 199
    Location: Los Angeles, CA
    For what it's worth, my dad (who makes adventure sports equipment and has been sued a few times) has remarked that most people who get injured in that sport actually don't sue. But the ones who die, their families almost invariably do.
    Jcp2, rjack321 and Barnaby'sDad like this.
  2. rjack321

    rjack321 ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 1,000 - 2,499
    Location: Port Orchard, WA
    LOL sorry I didnt mean to imply that as his entire defense from an actual suit
    I think he's imagining defending himself and it being rare or affordable or "worth the risk" but I'm not in this owner's head so what do I know
  3. Zeke XA3

    Zeke XA3 Instructor, Scuba

    # of Dives: 5,000 - ∞
    Location: Nassau - Bahamas
    Interesting side development,

    Boat A - Has full liability through company A, H & M is through company B. With the liability all standard diving is covered as long as the vessel is chartered and not a dive vessel, ie vessel is chartered as whole and not offered on a per seat diving basis.

    Boat B - Has insurance both H & M and liability through company C. Here diving is excluded on a standard policy and you must pay extra.

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