[PUP] To insure or not to insure, crew aka requirements?

[John Harris]

My experience on insurance costs are that coastal insurance with a hurricane 
season exclusion for Florida and the southern coastal states runs about .5 
to .6% of the boat value. The rate is about the same for the Med.

Atlantic crossing insurance runs about .9 to 1.0% if you prove competence 
and have 4 capable crew. Without the above provisions I do not have any 
price information to offer.

Policy has a 1% deductible and covers dingy, and oil spill risks.

Regards, John