#36. Essentials for Yacht Insurance - What you NEED to know! Part 1

@Barefoot Doctors Sailing - Catch up with our story 4 weeks after our Leopard 50 burnt to the bottom of the ocean and now we are now looking into how every yacht needs to get the right insurance cover to make sure they are properly protected. Just like a good life raft - you hope you never need it but in a crisis, it MUST work well...
Here we discuss the essentials that you NEED to know when getting insurance for the first time or after many years. It is only after the system is tested that you realise what you should have put into place at the beginning.
Binge watch and come barefoot with us as we travel and explore the planet, mostly from the water but sometimes through the minds of others as we provide aid and support where needed through the amazing TUFMINDS solutions!
The free TUFMINDS program is released as a smartphone program under the Exqisit Life Foundation Charity, a registered not for profit and requires financial support to fund the free program. TUFMINDS saves lives by intervening at the point of suicide and pulling everyone to higher levels of mental resilience, wellbeing and functioning. it also creates better attitudes, resilience and coping - all very important for sailors facing difficult situations at sea.
@Barefoot Doctors Sailing
Donations to the charity to support Suicide Prevention with the free TUFMINDS program can be made at:
shoutforgood.com/charities/ex...
For more info:
www.TUFMINDS.com
www.barefootdoctorssailing.com.au
TUFMINDS app - in App Stores

[@oskarcuknis4053]

As difficult as your journey has been so far , We have learned so much from what you have been going threw . We are so grateful in you posting these videos and giving of us an insight into the real world of sailing . Hope we cross paths one day in your new boat ..

[@barefootdoctorssailing8567]

Thanks Oskar, glad they are useful. If we are in your vicinity Coe over and say Hi! We are surprised how much positive feedback we get from the (potentially boring) information videos but it certainly seems that lots of folk are keen to learn and benefit from our experience...

[@VERTICALWisdom]

This information may be the most valuable content a boater will ever hear. You have allowed us to sit down with someone that has gone through this horrific experience first hand. What to do, what to look for, what NOT to do. The best to you and yours - be blessed I we all pray to see you back on the water soon.

[@barefootdoctorssailing8567]

Thats very kind of you. Thanks so much for your support!

[@emberbaker7798]

Nice job, John! You gave a very detailed and clear explanation of some important things boat owners should pay attention to, and which, in the excitement of things, they might well overlook. You and Eli are using your tragedy to help inform others. That's a very admirable thing.

[@barefootdoctorssailing8567]

Thanks again Ember for your support!

[@dja137music]

Interesting to hear the comments about American insurers. Thank you for this episode. Ignorance is NOT bliss.

[@barefootdoctorssailing8567]

The insurance system is strange - the US companies insure the Americans, the London insurers cover UK and Australia /NZ residents and the EU cover only EU residents as I have been led to believe. The main Australian companies only sure in Australian waters...This would lead to wide variations in cover provided.

[@davefeinglass9118]

Thank you for posting this episode. And thank you for turning your misfortune into our education. Its very much appreciated! I hope your insurance investigation speeds up, turns out well and you are back on your own sailboat soon.

[@barefootdoctorssailing8567]

Cheers Dave, it’s an interesting journey to say the least, and thanks for watching.

[@carsonc1272]

Excellent video! And also very valuable.

[@barefootdoctorssailing8567]

Thanks for watching Carson !

[@jof99xxanon96]

Being a lawyer, I would naturally advise contacting a good attorney knowledgeable in the field and have a discussion regarding the policy and coverage at the time of purchase; and, needless to say, I would also further advise immediately contacting a lawyer to represent you when claim time comes about. The cost, percentage wise, may be the most beneficial investment you can make.

[@barefootdoctorssailing8567]

Thanks

[@friedrichplankensteiner5626]

Great video and great advise, tks so much. You did not talk much about liability and this part is what I was thinking first, special as there is another boat involved and this can end up much higher than the value of the boat and end up going after your other assests. Looks like you are well covered and I am really happy to see that you put a lot of thought into this, but just curious if there are already talks about liability and if the coverage is sufficient and what would happen if not?

[@barefootdoctorssailing8567]

@@friedrichplankensteiner5626 Dear Friedrich, the liability is likely to passed away from our insurer to others so my liability will not need to cover the L45, I understand. As I said in the video, my 3rd party liability is only $500K that would not cover the value of a L45 so next time, I will increase that amount. I presume if the cover was not sufficient, then the innocent party would probably need to sue the liable one personally if the insurance does not cover it....

[@friedrichplankensteiner5626]

@@barefootdoctorssailing8567 I wish you all the best and really hope this will come out perfect for you. You guys are very nice and I really like your videos very much and I hope for you that you will be able to continue your dream very soon. All the best!

[@roberthuber8491]

I would encourage you to keep on going!!! I follow different other sailing channels, but your advice is really very helpful!!!! And - hope you understand what I m wanted to say: it s authentic! Not only lovely pictures and so on… you show the real life! I love your mindset and your motivation!!! Keep my fingers crossed 🤞 that you will get a lucky 🍀 solution for this bad situation… all the best wishes to you!!! 👍👍👍 robert

[@barefootdoctorssailing8567]

Thats nice, thanks Robert.

[@jodymooney255]

Outstanding information! Thank you!

[@babyboy6179]

best video ever and real not BS.

[@barefootdoctorssailing8567]

Very nice of you to say!

[@azuresea8086]

Turning your hardship into opportunity to help others... wow!

[@barefootdoctorssailing8567]

Yes we just don't want others to make mistakes that could be very costly!

[@NorthPoleTime]

Very helpful. Thank you!

[@barefootdoctorssailing8567]

Cheers and thanks for watching

[@mangowalter8239]

Hello John! Your advise is spot on with insurance. The time to read your documents is before you need it and not after as I’m sure there are many people that have benefited from your experience. I have read that some boaters can not get insurance coverage during hurricane season if they make the decision to stay in a country during their hurricane season. It appears that boating is more about destinations chosen by insurance companies and not your own agenda.

[@barefootdoctorssailing8567]

Yes you are right about having to make a decision about where you cruise dependant on the insurance requirements. Glad we seem to spot on! After all its just my experience and we all have so much more to learn...

[@Techie_ASMR]

It s great to see another video from you guys!!!

[@barefootdoctorssailing8567]

Its a pleasure!

[@Seamist]

Thanks for these videos, very educational, thx

[@barefootdoctorssailing8567]

Glad you got value, thanks for watching Jan!

[@jbudgeon1]

Thank you so much for putting these videos together. We have a Seawind 1260 on order and insurance has been a huge question for me. This is very helpful.

[@ruggedindividual]

Very helpful.

[@barefootdoctorssailing8567]

Thanks

[@erbrock1]

Excellent. Very useful. I really appreciate your willingness to be so open about the things you missed and how much things cost. Wish you all the best.

[@barefootdoctorssailing8567]

Glad it was useful. The real risk with being open about cost is that the trolls fire up out of jealously and make obnoxious comments but we now just delete them! Thanks for your support.

[@giampaologiardina3203]

Great episode. Very informative, thanks for all the valuable informations and suggestions. With your sad experience you are now helping a lot of sailors to carefully open our eyes. Thank you guys!!! Ciao, Giampaolo

[@barefootdoctorssailing8567]

Yes we do hope it will all be useful for lots of people

[@ajsonstegard5729]

Thank you. I think this is the best and most comprehensive overview of insurance. Here’s to silver linings. Hope all gets resolved for you soon. Hugs

[@barefootdoctorssailing8567]

Thanks AJ for such high praise! Yes we are seeing rays of light and the clouds starting to shine on the edges now!!! We have also had many people reach out to us for specific offers of help and interesting boat developments that is very exciting...

[@yachticus]

thank you for your fantastic explanations - and (regrettably) at a significant cost to you both. Take good care

[@barefootdoctorssailing8567]

Ta

[@lyfandeth]

In the US, varying by state, auto insurers are generally required to pay a claim within 30 days. It is their problem to get an adjuster out in a timely manner. Of course no one learns about that unless they ask the insurance regulators. But are there any similar time constraints under your state laws for boats in Oz? There are also games with insured, agreed, or market value. Market value must be in accord with state regulatory procedures, limited by sales of extremely similar type within a timeframe and geography. Agreed value often carries a smal footnote "or market value whichever is less". A really good broker (like IMIS in the US) will point out the fine points and catches when comparing policies.

[@barefootdoctorssailing8567]

There do not seem to be any time constraints in the US for boats and there are not in Australia that I am aware. Given that before this year I had not claimed I don’t have past experience in that aspect but there seems to be no rush for them to pay us or the salvors as that often takes months... Hence their demand on us to pay up front

[@leonardtasker6732]

thankyou for update nd i really do look forward sailing soon i just love seeing you really both enjoying your seeing a nd friends you had on yacht as friends t c now hope you get what you what for next one loving friend len to see you and wife back soon on KZbin

[@barefootdoctorssailing8567]

Thanks Len, we are working on getting back out on the water and are having little tasters but some months before we will be able to get the replacement boat though...

[@ianfirth-clark5975]

Very informative and yes many of us that may have owned and been sailing for many years will often skip through the policy without checking every detail. Thank you John

[@barefootdoctorssailing8567]

Yes and so did I in the past!!!

[@jrp616]

Excellent presentation of very important info that too many never review. Its also another indication of what good folks you are, to turn this personal tragedy into a teachable moment for others.

[@barefootdoctorssailing8567]

Thanks for your kind words! We just don't want others to fall foul of the fine print!

[@stefanhoezda3342]

Thank you

[@barefootdoctorssailing8567]

You're welcome, glad it was helpful, Stefan!

[@lifesailinc-lsi1120]

Well thought through presentation. I pass it on to my FB I made many notes to ask my Insurance agent now. ((living in the time when people (not alway knowing sign "their life over to others"). Incredible, Unglaublich, Incroyable, 极好的, Ongelooflijk, Utrolig

[@calvingarrett3245]

I want to use a ceiling one day don't plan to buy a expensive boat but your information is well absorbed to know that he can cost a lot if you don't have the finances thank you for sharing all of that it's much appreciated I hope you all get another boat soon go sailing I enjoy watching your videos may God watch over you and keep you safe watching from Roseville California USA Ray Garrett

[@barefootdoctorssailing8567]

Thanks Ray. These insurance tips are also very important when dealing with travel insurance and possibly house insurance... Once we had valuables stolen from a locked car while on holiday and there was a clause that read that unattended cars are not covered so they paid us nothing! Thanks for your kind words!

[@calvingarrett3245]

@@barefootdoctorssailing8567 well that's really awful usually hear in California you will get paid but that valuable stuff has to be listed on the insurance also if you're carrying it can't wait to see you get your new boat love watching your videos sorry about your loss of the other boat and you're belongings I know what it's like God bless you both wish you both the best in life hope to see you soon watching from Roseville California Ray Garrett in USA

[@barefootdoctorssailing8567]

@@calvingarrett3245 thanks

[@rdholmes2007]

Thank you so much for sharing all your learnings from the awful demise of Ultra Dash. My heart goes out to you both. Just glad no-one was injured or worse. This episode about insurance reminds me to get more sailing experience before purchasing a cat, or I may not even be able to get insurance at all. I am chartering a FP Elba 45 in 5 weeks time in Croatia, so that I get some experience - try before I buy! Thanks again for inspiring us to get out on the ocean and explore this beautiful planet. I read a quote recently that considering the coverage of oceans on our planet, we should not call her Planet Earth, but it would be more accurate to call her Planet Ocean or Planet Water! I think if we were visiting from another star system, the oceans would be the biggest draw of this amazing blue planet. Much love to you both. Rob from the UK. PS. I hope the insurance is sorted soon so that you can buy your next cat. I am glad the initial investigation is moving away from equipment failure - does this mean you suspect foul play?

[@barefootdoctorssailing8567]

Glad the videos are encouraging you to get out and DO IT! Insurance in the UK and Med is apparently a lot easier than the Bahamas and Caribbean though so hopefully you will not have any concerns. No foul play evident at all , more likely to be a simple accident.

[@rdholmes2007]

Barefoot Doctors Sailing thanks so much for your reply. Yes the ocean is calling me! Accidents do happen and as you said on a previous video, there is always a silver lining and something to learn and grow from every event that happens in our lives. I hope the insurance people pay out soon so you can get back sailing as soon as you can. Take care. Well done for moving through the grief and thank you again for sharing your journey and learnings with us all . 🙏

[@firstlast1047]

Thank you for taking the time to explain the intricacies of marine policies, even explaining the subtleties of the country of issuance.

[@barefootdoctorssailing8567]

Hope it is useful and may get lots of folk on the right path to protect themselves.

[@dreoneful]

Great video thanks for the info

[@barefootdoctorssailing8567]

Glad you got value, cheers for watching

[@williamsoares5776]

Thank you so much!

[@barefootdoctorssailing8567]

Pleasure. Glad it was useful

[@nuffsaid7952]

Another very informative post. Thanks for sharing your honest experience which others will learn a lot from and avoid making mistakes. Hope that you guys are doing well and get into another cat soon to continue your journey once this is resolved, hopefully soon.

[@barefootdoctorssailing8567]

Thanks again for watching and your comment

[@Tomm9y]

I would also suggest keeping copies of documents in a secure place, perhaps with a competant shore contact and also in the cloud. This should include everything from receipts, photos, logs, maintenance work.

[@barefootdoctorssailing8567]

Yes that is absolutely true. For our next boat, I think I need to find a good program that can store receipts as you get them, photo or scan them and file them in a document that can be accessed in the future. Mostly the paper receipts go into our pocket or wallet until there are so many the wallet won't close and then they and store somewhere that can never be easily accessed...

[@view05nys]

@@barefootdoctorssailing8567 Yes .... invaluable to have documents readily available on one's computer and backed up both locally and to "the cloud". Here is what works for me. I have a simple file system on my computer, creating folders and sub folders, as necessary, for each category. I find it important to either scan the document or use a supplied pdf format of the file if available, within a day of receipt. It is not good to have documents pile up to be scanned, because then it becomes a real chore to go after a pileup of them. I back up all the folders. Once a week I backup all the folders to a removal drive, temporarily connected to the computer though its USB port. A quick process. I am a bit paranoid about hackers getting into my computer and stealing or corrupting my files. A last step, which is automatically executed is to back up my files to "Dropbox" in the cloud. My approach is a cost effective, easily managed, and can be scaled up as required.

[@WillN2Go1]

This is incredibly instructive as well as thoroughly engaging. Greatly appreciated.

[@barefootdoctorssailing8567]

Glad it was useful!

[@ianprice9005]

Very useful information great show 👍

[@barefootdoctorssailing8567]

OOOO - so we have a show do we??? Thanks for your support!

[@westonbadke5434]

Insurance is 1-3% of hull value. So you’ve gotta have the updated vessel survey.

[@robertlisenby7555]

Really great information my son Johnny sail's professionally here in San diego. And has been thinking about getting a boat. So I forwarded this video to him. It's wonderful that you spent the time to give out this great information very much appreciated. My condolences for your boat so sad I can't imagine. I hope everything gets worked out for you. Thank you for the great information I passed it on to Johnny.

[@barefootdoctorssailing8567]

Glad it will help your Johnny and other people! We are really (and a bit surprised) how grateful people were for the info when it seemed so dry and legalistic - but obviously very important!

[@dereksafley]

Great information!!

[@barefootdoctorssailing8567]

Thanks a lot!

[@Trishpage312]

Very interesting, the whole process. It’s awful but hopefully a Lot of people will learn from this. Thanks

[@barefootdoctorssailing8567]

Thanks and we hope it is useful - all of us learn a little bit more each day / event...

[@MrJhchrist]

It's a totally dry boring subject that absolutely needs coverage, so thanks for that. Also, interestingly I think this is the first youtube video I've EVER seen that doesn't have a single downvote.

[@barefootdoctorssailing8567]

Yes interesting isn't it? I would have thought it would be too boring and technical but it certainly seems that people are keen to learn from what we and others know...

[@RoguishHound]

Thank you for this. Hugely helpful.

[@roberthandlon1877]

Thanks for your detailed information, no one wants to talk about insurance until they need it, but it is probably one of the biggest expenses of. boat ownership so it pays to learn. Thanks

[@barefootdoctorssailing8567]

Glad it was useful for you

[@michaelcanto6175]

Thanks, this is really helpful information!

[@barefootdoctorssailing8567]

Glad it is useful! These information videos certainly seem to be appreciated (even more than the sailing / diving/ beaches in the Bahamas!)

[@ctaylor1655]

Great info!

[@barefootdoctorssailing8567]

Ta

[@ovmn]

Great information.

[@barefootdoctorssailing8567]

Thanks Olga.

[@dunkie976]

Great video guys, very informative and quite an eye-opener on a mystical subject. 👍

[@barefootdoctorssailing8567]

Thanks. Interesting that when you use mystical in this context it is not so warm and fuzzy!

[@dunkie976]

@@barefootdoctorssailing8567 its mystical because no one REALLY understands insurance, in the sense that the policies are so difficult to read and written in jargon so it becomes a minefield, but your summary/evaluation is great because it feels to make the whole insurance/broker thing much simpler, and let's face it a good broker is basically a wizard 😊❤️

[@nkdave747]

Great video! Thanks for posting! So muck to learn!

[@barefootdoctorssailing8567]

Freudian slip perhaps??? ... “so muck to learn”!!! But you are so right!!!

[@nkdave747]

@@barefootdoctorssailing8567 that’s funny 🤣 totally a Freudian slip! Plus I didn’t have my cheaters on🤪. Since we have a Leopard 50 on its way…we watch all your videos with much interest⛵️🤙🏽

[@peterreynolds8146]

What a great video and thank you for sharing your knowledge with regard to insurance amongst the many other topics that go hand-in-hand with sailing. How is Lizzie as we didn’t see her on this video? Best Peter

[@barefootdoctorssailing8567]

Hey Peter, thanks for your support again and Eli is down south with her sister and our grandson but I had to come home to get our house sorted and some legal documents, receipts and try to re create the accounts for the boat for the insurance claim. I will be rejoining her tomorrow... So all good - no need for concern!

[@rickcreel3657]

Thank you for the advice on insurance coverage, perhaps local sailors could also warn us of the pitfalls in boat insurance. I said last week the story of Mangrove Charlie that the boat looked a lot like the boat you built. The proper title is; How to build a sailing catamaran from nothing Mangrove Charlie. If we knew the timezone you are in, and you turned your computer on at 9:00am , or 9:00pm your local time. Also film your screen with a go- pro starting at the top of that hour for 15minutes. Nothing is faster than your camera so if our comment is deleated by censors it takes them 2 to 5 minutes to react sorry they missed the bus. Fair Winds!

[@barefootdoctorssailing8567]

Hi Rick, Yes I had seen the Mangrove Charley story before and the boat is similar to the one I built but is is a different design with significant shoulders (the wider areas of side deck to give more buoyancy and inside space) and mine is built of western red cedar strip planked and that one is marine ply, it seemed. But very similar with high bridge decks and daggerboards and they both would sail very nicely! I was not aware that KZbin censors content - I know I have posted things and often they don't go up or disappear so I think that it is glitches in the internet system and not censoring as the content is unlikely to be strong enough to warrant being cut and stuff that should be cut (offensive and rude comments) and porn links seem to just sit there! Thanks for you support!

[@rickcreel3657]

@@barefootdoctorssailing8567 I also felt as you do about overlords they just protected us, but I have commented many times to you and watched it be taken down. Then the break through came when I felt sorry for a couple who were sick in their catamaran in Aruba. I made a statement the source of their illness. In a few minutes it was taken down. So I commented back that I guess we have lost our freedom of speech in America. Darren, and Krystal replied back ; We were watching our screen when they took it down. If I didn't post my disappointment they would not be able to find me. You are on a continent with the largest dumb in the world. This is an acronym to find out why. Write this down on paper and turn the paper 180 and turn the letters where you can read them. See if you can succeed sending it to someone else. araseg etuhctib no eyarirahs.

[@colinjarvis2045]

Thanks for the informative video, I wasn't aware of the size of the deductables (excess) what insurance co were you with? was it Pantaenius? Hope you get back on the water soon, chin up

[@fountainvalley100]

Considering the cost of the vessel and the damage they can do spending the money for for a lawyer to review the policy would be money well spent.

[@eddr9172]

Thanks a lot for these informations. It is difficult to imagine what you are passing through. I am very interested to know the cause of the fire, if once it is known. Your boat was new, at the dock and it is a bit surprising such a fire. Normally all is done on this type of boat to obtain a switch-off of electricity before an overheating of the cables. It mean that the overheating wasn't detected, as a consequence that the overloading of the circuit wasn't enough strong to switch off the circuit. I don't know if you had "charger" like "iPad-Phone-Computer-portableVHF" one connected, but when failing these "charger" can create this sort of fire. It is even recommended to disconnect them when you are not at home. Second track could be the connection of your boat if connected to the dock. (?) Last track, is a brutal short circuit on a very high power circuit like the chain motor. Normally when docking you cut off this circuit to avoid bad surprise. If not, the intensity can be so high before an automatic switch off of the circuit, then it can create a fire. Good luck and Bon courage.

[@barefootdoctorssailing8567]

Thanks Ed, This fire was seen and heard starting by several people and without crossing boundaries, the speed that it went up was not electrical and there have been several reports in the news and KZbin videos that point to a specific cause but we are trying to wait for the investigation to be done to make those "stories" public and spread only when they are known to be the truth. So rest assured, it was NOT ELECTRICAL!

[@eddr9172]

@@barefootdoctorssailing8567 ok. Thank you for this answer. Let’s see what the analysis will tell :-) Anyway I hope this episode will be rapidly behind you and you will be able to restart new aventures quickly :-)

[@edwiser3547]

Been waiting weeks for the fire investigator's report. Got any idea when it will be complete?

[@barefootdoctorssailing8567]

I am told they are very slow - possibly another month or even two! The investigation could not be started till the attorney was appointed so now the steps to START the investigation can occur. One concerning thing for me is that the assessor stated that often the insurers do not even release the findings, no-one accepts fault and the insurance companies just sort out the liability payments behind closed doors. However, it will be clear where the fault lies if my insurance passes the costs to the other parties and the verbal events of the day are reasonably clear and simple (from where we sit).

[@edwiser3547]

@@barefootdoctorssailing8567 Wow, this gets worse all the time. A few years ago I wanted to write an article about the causes of boat fires. I could not get anyone to give me hard data and details. Boatus says about 50% of all fires are electrical but they would not give any specifics/

[@annsheridan12]

What was the technician working on when the fire started.

[@barefootdoctorssailing8567]

Hey Ann, we don't actually know but the boat was in Dania Beach to have fibreglass and electrical work done

[@annsheridan12]

@@barefootdoctorssailing8567 I have an informative book for you”Green Tyranny “ increase in catastrophic climate events is alarmist propaganda.

[@hookedupin2005]

Two questions come to mind. 1. Are there countries that require a boat owner to have insurance, before they are able to enter their waters? 2. Can a boat owner put a sum in an escrow account, and virtually be self- insured?

[@barefootdoctorssailing8567]

1. Countries do not require you to have insurance but marinas will not let you in unless you have it. Many people sail without insurance and this why there are many abandend boats that are wrecked and the owners do a runner as they can’t afford the salvage costs. 2. If you can afford to put the value of your boat + $1 million for pollution clean up in an escrow acct, you are better to just pay the insurance! Hope that helps

[@edwiser3547]

Are the adjusters still investigating the cause of the fire?

[@barefootdoctorssailing8567]

Yes, but they haven’t actually taken all the plastic apart yet and done the inspection.

[@dreoneful]

Bottom line is don't be cheap when it come to insurance saving a couple of dollars on your payment would cost you dearly

[@barefootdoctorssailing8567]

Well said!

[@222INFINITY]

That was one wicked fire, people living nearby said they heard an explosion before seeing flames, 2 people hurt; kzbin.info/www/bejne/ip25lJaZZ5pojLc kzbin.info/www/bejne/eYDUe5acf66ZfK8 Surprising premiums aren't 10% of value when you see how vulnerable sailboats are? Hope the insurance comes through so you can get back to your adventure.

[@nspctor7729]

Where does the babysitting service you hired to 'keep an eye' on your boat fit in all of this? What is their liability in all of this? Did they have insurance for such an occurrence?

[@barefootdoctorssailing8567]

We were having work done by professionals while we were away so they were in the boat probably every day so its not really "baby sitting".... The investigation will be looking into the events and what happened but all quality contractors have insurance with 3rd party liability so wherever the cause is found to be, that insurance will pay up... (as I understand it and trust the system works). Thanks for your support.

[@ernie7065]

Seems like the response to your comment is an indirect reference to the two workers who received burns. No reference in these comments directly about them .... that I saw. Hope they were insured too.

[@nspctor7729]

@@barefootdoctorssailing8567 I understood the service you procured made daily walkarounds, similar to a security system. Now, with the introduction of working onboard contractors has introduced a whole new layer of complexity to the investigation. This has been a humongous learning experience for me and I thank you for sharing. In case you missed it, for your FUEL STORAGE file: Wavian jerry cans I"d NEVER use a plastic jerry can on a boat especially in tropical heat. Cheers, N

[@nspctor7729]

@@ernie7065 I understood the two workers who were injured were security doing a walk around. Most contractors working under a management firm will carry insurance. Cheers,

[@ernie7065]

@@nspctor7729 cheers to you as well.... the 2 injured guys will eventually be interviewed.... what were they doing there that day and who were they employed by.... I have asked about this since day 1 and the owners must know the answer but have avoided answering that question. That issue seems to be important. Would you agree?

[@rumblechick73]

Well, that was very informative, but now I have a headache! LOL Insurance is government forced gambling, you're putting up a giant wager that you will basically wreck your boat/vehicle and the insurers are taking that bet and putting in so many requirements and fine print clauses that stack the deck against you recovering your bet and ending up with some major losses no matter what you do. I've been paying for car insurance for 53 years, give or take a month or two when I didn't own a car, I've never had a claim except for one time when a mahogany nut fell out of a tree onto my windshield and cracked it, they denied the claim and said it was an act of God! I had to pay to have it fixed or get a ticket because driving with a cracked windshield is actually against the law! LOL The insurance that really cracks me up is life insurance, where the only way to win is to die!

[@barefootdoctorssailing8567]

Well said Diana ! Too funny

[@rauldempaire5330]

I will ad one ... Do not hire you brother-in-law as Insurance Broker....

[@barefootdoctorssailing8567]

Yes, family providing business services is a serious risk to relationships when things get difficult.

[@robertn8200]

I bet you take the money and run

[@barefootdoctorssailing8567]

It’s too late for us, Robert ,we are back Looking for another boat .. addicted I’m afraid ….🤪