If you are in an accident, your boat is destroyed, or it is stolen, boat insurance can assist shield your finances. If someone is hurt on your boat, it can also include liability insurance. Additionally, before allowing you to moor your boat, many marinas and boat docks want proof of insurance.
The importance of boat insurance is increased when it comes to fishing charters. Fishing charters can bring in a good income, but there are several risks involved. You can be held accountable for medical costs and other damages if a customer is hurt on your boat. Insurance can shield you from these kinds of monetary losses.
You might also need boat insurance if you’re interested in leading hunts. Boats are used for many hunting expeditions, and mishaps might occur. If you are a hunt guide and someone gets hurt on your boat, you may be responsible for their hospital bills and other costs. Insurance can shield you from these kinds of monetary losses.
The amount to tip a first mate can change based on the circumstance. In general, it is advised to tip between 10% and 20% of the charter’s overall cost. You might choose to leave the first mate a larger gratuity if they delivered great service.
For good service at a restaurant, it is advised to pay between 15% and 20%, according to a general tipping formula. The amount, however, may change based on the level of service and the overall price of the meal.
Finally, even though boat insurance is not mandated by law in California, it is strongly advised. Having insurance can shield you from financial damages in the event of an accident or injury, regardless of whether you own a boat, operate a fishing charter, or serve as a hunt guide. Additionally, it is wise to always tip generously when receiving excellent service.
In California, do you need boat insurance?