Thanks all . from what I have read and understand ( And I think is in agreement on the posts on here) .
For a boat under the small boat coding - which all commercial ribs in the UK would be there is no legal max or min legal amount of cover per passenger ( either in SDRs or GBP ) .
For 'big boats' there is - but as I cant realistically see anyone of that nature on Ribnet I'm not getting into the Athens Convention.
In Shiney Shoes example the £3m ( or whatever you have ) could well include both passengers ( on the basis they are the 'public' and any other boat ( as they are the public) . I feel it would come down to the policy wording as to how the limit made up + of course 'property damage ' would need to come out of the £3m too !
Yes - once you get over the £3m the injured parties can come after anyone they like in a legal action ........happy news eh !!!
I remember reading the full Cairns/ northern light house case at the time and seem to recall it become an employers liability claim rather than a public liability ...but I cant be doing with reading it all again = so could remember wrongly .
Thanks Ian / JK / POLY - we are seeing interest things in liability claims ( ie big values that are only getting bigger being awarded