Marine Insurance Business Use Exclusion
 

Fog Dog wrote:


Now the only other question is... What if I stop at a crab house and
someone picks up the check and expenses it? Is that construed as
business use since the boat was the means of conveyance... Does this
ever end? Are you ever really protected?


I'm no attorney, but if I were sitting in the jury box I would ask
myself the following question:

Did Fog Dog convey this party to the crab house because the party
offered, in advance, to buy him a crab dinner, or did Fog Dog
unconditionally convey the party for a purely social purpose? Was
payment of the dinner tab a condition of the boat ride, or was Fog
Dog's passenger so overwhelmed with gratitude that he/she spontaneously
and without solicitation snatched up the dinner check and insisted on
paying the entire bill?

As a potential juror, I would place a lot of weight on those particular
considerations. :-)