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posted to rec.boats

Reginald P. Smithers

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Marine Insurance Business Use Exclusion

wrote:
Fog Dog wrote:
Let's close this out but I do believe there is a misconception
regarding this topic. This is personal use. I am in control of who goes
on the trip. Where I take them.

The source of the confusion would be your statement from May 21:

"my company has offered to cover the fuel expense
if I were to make myself and the boat available for employee and
customer outings while there."

"If" creates a condition. "We'll pay you $X
if you do Y thing" constitutes a hire. When the party demanding Y
service for $X is your customary employer it just slightly more
obvious. The fact that you're physically steering the boat doesn't make
it personal use.

As I said up thread a ways, the best of luck to you.

Chuck,
While you may not have convinced Fog Dog that he is placing himself at
risk for a major lose, you did educate many others who were lurking.

The odds are that Fog Dog will not have an accident, and if he does it
will not be enough to warrant a close inspection of the situation, but
it still was a great informative thread, heck, I guess Fog Dog is a more
informed boater today, than before he asked the question.

Heck, he now knows to say he was just bring some friends along for a
boat ride.

--
Reggie

That's my story and I am sticking to it.

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