Frequently Asked Questions


Q: Is there Boat Rental Insurance available?

A: Yes. The insurance is called bareboat or demise charter insurance. Availablie through most marine insurance companies. This insurance would cover you when your using the boat and charterer (renter) when rented out. Please fill out this information form with the required boat infomation and we will have our marine insurance specialist contact you. Insurance Form.

Q: Is it required that I have a captains license to rent my boat as a bareboat charter?

A: No. As a bareboat charter you are not required to have a captains license or a business. You may instruct and advise the charterer (renter) then after the charterer (renter) is responsible and mantains control and is called the "disponent owner".

Q: Is boat rental insurance expensive?

A: No -Boat Rental Insurance is very reasonable. Bareboat charter insurance gives you both; coverage for your use of your boat and the ability to rent your boat out to a renter of your choice to help offset the costs associated with owning your boat.

Q: Why is boat rental insurance inexpensive?

A: "Limitation of Liability Act" of 1851. Insurance carrier's Ace in the Hole.

Q: What is Limitation of Liability Act?

A: The Limitation Act limits a boat owner liability from accidents that result in personal injuries and other losses that occur on navigable waters. 46 U.S.C. App. §188

Q: Are all boat owners covered and protected by the limitation of Liability Act?

A: Yes, The Limitation Act applies to all "seagoing vessels and also to all vessels used on lakes or rivers or in inland navigation, including canal boats, barges, and lighters." 46 U.S.C. App. §186. The term vessel has recently been enlarged by the U.S. Supreme Court in Stewart v. Dutra Const. Co., 543 U.S. 481, 125 S.Ct. 1118 (2005) to owners of pleasure craft, including jet skis and house boats, are permitted to limit liability. (Boat Owners are ONLY responsible or liable up to the value of their boat AFTER said incident) Keys Jet Ski, Inc. v. Kays, 893 F.2d 1225 (11th Cir. 1990); Warnken v. Moody, 22 F.2d 960, 962 (5th Cir.1927); In re Guglielmo, 704 F.Supp. 352 (E.D.N.Y.1989) (twentyone foot motor boat).


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