Not that I’m aware of.Do independent dive clubs with their own boats exist in the US of A?
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Not that I’m aware of.Do independent dive clubs with their own boats exist in the US of A?
We are not maxed out on our insurance. We do have replacement value which is starting to make less sense as we get older .I’m an instructor, 100 ton boat captain and own one of the largest insurance agencies in the US.
Op should max limits on your boat policy and get the biggest personal umbrella he can afford. He should not accept any payment for fuel or other expenses until after everyone has exited the boat at the end of the day safely at the dock.
You cannot prevent anyone from getting hurt or suing you. You can prevent it from bankrupting you by doing what I said above.
You sound like someone who actually has a life... Realistically husband and i only have diving. If the house or the cars go, we'll figure a way forward... If our boat goes I'm not sure we can recover. Shore diving is not for us and the thought of going out with charters is just not an option.I have three cars totally about 250k in value. If they were totaled it would sting, but it wouldn’t bankrupt me. “Replacement Cost” is great, but I really don’t give a **** about losing a car, boat or even a house. That might screw up my life for 2 or 3 years. Being sued for 10 million dollars screws me up for life. Liability insurance is pennies on the dollar compared to comp/collision.
People need to be upping their liability coverage in this litigious society.