Hi Tim, and thank you Doug for updates,
Yes looks like I will change the formular to my cover to include skippers working on my boats and suitable qualified etc etc. The marine package will also cover me for own boat tuition if other boat does not cover me and also cover me personally in all areas and also cover most liablities issues as I guess you cant cover everything in the liabilty world.
It is likely I will assist my nominated helms with insurance liabilty cover but this I will arrange privately.
Peter M was a great info provider having been to training day and as usual seen possible gaps in cover issues. The BMF were not allowed to offer insurance advice from their legal provisions due to financial services act but my legal cover through FSB were also open to help and advise on liability issues. Very complicated and safe to say I probably will never understand