£1275 for £5m public liability for the whole of the world except the USA and Canada based on a less than £5k turnover per annum which realistically is all I usually earn from the activities below - most of the teaching is PAYE through RYA Centres.
This includes :-
12 months at date to be arranged
Skippered Yacht Charter, Yacht & Rib, Powercraft delivery & skippered racing
Legal Liability As Defined In the Policy/Certificate
Limits Of Liability
Section 1 Employers Liability
Section 2 Public Liability
£5,000,000 any one occurrence/unlimited
Based on Turnover of £3,000 - £4,000
Section 3 Products Liability (claims made basis)
£5,000,000 any one period of insurance
Worldwide, excluding USA/Canada
Great Britain and Northern Ireland, Isle of Man, Channel Islands
This covers me for power and sail, delivery and charter (Skippered or Bareboat) and selling berths on chartered yachts or having paying guests of any description on board during deliveries (as I don't employ crew otherwise add another £1,000 for employers liability).
My RYA tuition work is is covered by RYA Centres and enhanced with the Heath Lambert's RYA Coaches scheme...
My requirements for the policy were that :-
This policy covers any claim made by a third party to the value of a maximum of £5,000,000.
This policy covers any claim made by a third party where that third party has paid or has contracted his services as Skipper undertaking yacht or powerboat cruising and / or yacht racing.
This policy covers any claim made by a third party where the third party are the owner of the water craft and have purchased services either as Skipper undertaking cruising or yacht racing.
This policy covers any claim made by a third party where the third party are the owner of the water craft and have purchased services or have commissioned services to deliver a watercraft from and to designated ports or destinations either by sea, inland waterway or by road.
That this policy covers a chartered a water craft from any third party for the purposes of providing or selling services as Skipper undertaking yacht or powerboat cruising and / or yacht racing as described in points 1 and 2 above.
That this policy covers any activity as described above in points 1 to 5 whether in the UK, Europe and all other areas and countries excluding the USA and Canada.
...so quite a comprehensive cover...
Let me know if you want further details and the name of the Broker...
Hope this helps,
/ MCA Yachtmaster Instructor (Sail)
/ MCA Yachtmaster Power
/ MCA Adv Powerboater / Instructor