The instructor liability policy protects instructors from claims for damage or injury involving third parties. A standard clause in a liability policy excludes claims for damage to any boat
that is in the care custody and control (CCC) of the instructor. But what does that mean for the instructor? The following scenarios should help clarify application of this clause.
The CCC means there is no coverage for damage to the following boats when used by an instructor or coach:
1. Yacht club boats or boats owned by the employer.
2. The instructor's personal boat
3. A privately owned boat loaned or rented to the instructor.
In each of these scenarios it is up to the owner to provide insurance for damage to the boat. However, the instructor liability policy would still provide excess liability coverage for any damage or injury involving third party boats.
The fourth scenario involves an instructor teaching on a boat that is owned by their student. The instructor is not deemed to have CCC of the boat in that situation because the owner is on board. The boat owner's insurance policy would be the first to respond to a claim. The instructor liability policy protects the instructor from any demand for repayment made by an individual or other insurance company.
TIP: Before teaching on a privately owned boat you should confirm there is a valid boat insurance policy in effect. Ask your student to provide a copy of the declaration page or certificate of insurance and keep a copy with the student's files.
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