Originally Posted by MYTraveler
Does your insurance policy exclude that use? I looked into that and was told that, because the guests paid to be there, I would have no insurance coverage and that the trip would be subject to the laws & regulations applicable to commercial charters.
MYTraveler, I checked with my insurance broker in Seattle before we did the first dinner cruise and was told that because we were not getting any reimbursement for our time, fuel, food, wine, etc., that we were not acting in the capacity of a charter so there were no insurance problems. Per my request they replied to my question via email so we have it in writing.
We figured our typical 4-hour dinner cruise cost us somewhere in the neighborhood of $250 for the food, wine & fuel.
That day long cruise for the cancer center set us back about $500.
It's all for a good cause so we had no problem with it.
BTW, I forgot to mention above the other charities we donated the dinner cruises to: Junior Achievement and Pet Over Population.