To be crass, it is much more expensive to badly hurt someone than if
he or she gets killed.
To the point, your insurance protects you from the above liability
judgement. Your under-insured protection protects you if you are the
above and the other guy didn't buy any or enough liability protection.
You buy insurance to protect yourself. It is that simple. The
industry is striving for everyone to be forced to protect themselves
and it appears to be successful.
I am insured and I am an anarchist, so I wish that everyone has the
right to decide on his or her own level of protection.
Free trade and sailor's rights!
Cheers, Russ
Sweet 35 mk-1
At 09:21 PM 05/04/2014, you wrote:
Hi
My primary interest is liability insurance especially for potential
liabilities hurting or killing someone in a sailing event on and off
the race course ....
On Apr 6, 2014, at 12:13 AM, Jim Watts
<<mailto:paradigmat...@gmail.com>paradigmat...@gmail.com> wrote:
It's quite simple, the insurance companies want to make it easy. If
the guy who just drove his bow through your wet locker has no
insurance, they will have to go to great extremes to make it good.
If he has insurance, then it's no problem, it's an internal paper chase.
Jim Watts
Paradigm Shift
C&C 35 Mk III
Victoria, BC
On 5 April 2014 20:49, Russ & Melody
<<mailto:russ...@telus.net>russ...@telus.net> wrote:
Hi John,
That's my point.
I have the proper insurance.
I am bemused why the pointy heads insist that I protect my
asset...because it's in the Sailing Instructions?!! and that makes
it right? It is a simple fact that you should buy insurance to
protect yourself. Maybe it's the herd instinct, "I have it, so
should everybody."
I buy insurance to protect my net worth, not yours!
Why is this so difficult for people to understand? In the old days
an insurance guy would distract you with terms fancy terms and
threaten that you could not collect on a judgement if the "other
guy" wasn't insured. But under-insured protection, it is standard
in my policy, has thrown out that argument a long time ago. But
the mystery remains..
Cheers, Russ
Sweet 35 mk-1
At 08:31 PM 05/04/2014, you wrote:
If you are a racer, you should have the integrity to get the
proper insurance.
John McLaughlin
C&C29MKII
"Falcon"
-----Original Message-----
From: Russ & Melody <<mailto:russ...@telus.net>russ...@telus.net>
To: cnc-list <<mailto:cnc-list@cnc-list.com>cnc-list@cnc-list.com>
Sent: Sat, Apr 5, 2014 8:51 pm
Subject: Re: Stus-List Whisker pole - Now racing insurance?
Hi John,
The prevalent attitude that forces other people to buy insurance
to protect themselves really confuses me.
I have insurance and it includes under-insured protection, so I'm
covered. It doesn't matter if the other guy won't carry insurance.
In the case of an incident my policy will cover off my losses. If
the insurance company wants to recover then they go after the
other guy, I don't need nor am I entitled to.
Cheers, Russ
Sweet 35 mk-1
At 07:39 PM 04/04/2014, you wrote:
I certainly would not race against uninsured boats.
John McLaughlin
C&C29-2
"Falcon"
-----Original Message-----
From: Dennis C. <<mailto:capt...@gmail.com>capt...@gmail.com>
To: CnClist <<mailto:cnc-list@cnc-list.com>cnc-list@cnc-list.com >
Sent: Fri, Apr 4, 2014 6:59 pm
Subject: Re: Stus-List Whisker pole - Now racing insurance?
Guess I'm in a weird area. Louisiana is fairly litigious but
I've never been asked for insurance for dockage or racing. For
racing, a valid PHRF certificate is all I've been asked for. We
occasionally have to sign a liability waiver for some races.
I have been asked for it for dockage in Florida.
I think the race organizers around here think that the USSailing
coverage is adequate.
Dennis C.
On Fri, Apr 4, 2014 at 5:50 PM, Rick Taillieu
<<mailto:rtaill...@eastlink.ca>rtaill...@eastlink.ca> wrote:
Dennis,
Pretty much all the clubs in the area require at least $1 million
liability insurance.
My club requires a current copy of the insurance certificate to
be on file in the office to keep a boat here.
Rick Taillieu
Nemesis
'75 C&C 25 #371
Shearwater Yacht Club
Halifax, NS.
From: CnC-List [
<mailto:cnc-list-boun...@cnc-list.com>mailto:cnc-list-boun...@cnc-list.com]
On Behalf Of Dennis C.
Sent: April-04-14 17:53
To: CnClist
Subject: Re: Stus-List Whisker pole - Now racing insurance?
Mike,
$2 million insurance? Hmmm. Interesting policy.
How many other racing organizers require insurance? I've never
had to show in any race in my area.
Dennis C.
Touche' 35-1 #83
Mandeville, LA
On Fri, Apr 4, 2014 at 2:15 PM, Michael Brown
<<mailto:m...@tkg.ca>m...@tkg.ca> wrote:
Well, $100 was pretty cheap. I have a twist lock that I may sell.
Since getting the
larger line control I have not used it much. As mentioned
earlier, even at 17' it
is small for a #1.
If you would like to race National Yacht Club has a policy of
welcoming racers from
nearby clubs to join us for week night racing. You could race NFS
on Tuesdays, FS
on Wednesday, and there is a special beginners NFS on Thursdays.
NYC also starts
the race for the Alexandra Yacht Club on Thursdays. We have two
"Around the
Island" weekend races a year with an open invitation. You will
need a PHRF-LO
certificate and show $2M insurance coverage.
If you are getting brave I have a spinnaker I could loan you.
Mike
Date: Fri, 4 Apr 2014 14:51:44 -0400
From: Stevan Plavsa
<<mailto:stevanpla...@gmail.com>stevanpla...@gmail.com >
To: "<mailto:cnc-list@cnc-list.com>cnc-list@cnc-list.com "
<<mailto:cnc-list@cnc-list.com>cnc-list@cnc-list.com>
Subject: Re: Stus-List Whisker pole - 32
Message-ID:
<<mailto:caddevn5ebva9ow1xprcexszmf91jv+jz-thgsuxvrzgsmbe...@mail.gmail.com>
caddevn5ebva9ow1xprcexszmf91jv+jz-thgsuxvrzgsmbe...@mail.gmail.com >
Content-Type: text/plain; charset="iso-8859-1"
Thanks Dwight. I haven't raced the boat yet (except for some fun races the
club hosts annually). The keelboat racing scene at our small club is
dwindling but yeah, I plan to participate in the weekly races this year.
Steve
Suhana, C&C 32
Toronto
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