On Sat, Jan 12, 2008 at 01:11:48PM -0500, Ed Kelly wrote:
> Under American law any business, including a marina, owes the highest  
> standard of care to any invitee (any person using their services).  
> Although Kris seems to believe in it, "trust and inspections" are not  
> going to protect a marina from just one person who is behind the  
> learning curve or just don't care, and subsequently has their boat  
> sink in the slip, explode, catch fire, electrocute others in the  
> water near it, or otherwise cause people and their property to be  
> hurt or injured.

Honestly, I don't believe trust and inspections to be entirely effective
(in fact, I don't have any reason to believe that they're even terribly
effective). What I said is that, in terms of *preventing* catastrophe,
they will accomplish more than requiring insurance does. Insurance
doesn't prevent catastrophes from happening, it simply mitigates those
catastrophes that do happen.

You take care to prevent catastrophe, and you insure in case your care
wasn't quite enough. And let's face it, any boat that's been suitably
tweaked for living aboard is worth considerably more than an insurer's
going to actually pay out for its loss; moral peril just isn't a game
that any of us want to play with our boats.

Cheers,
Kris

-- 
Kris Coward                                     http://unripe.melon.org/
GPG Fingerprint: 2BF3 957D 310A FEEC 4733  830E 21A4 05C7 1FEB 12B3
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