Because I have zero knowledge of boating captaining rules / regulations, this forum subject has me asking questions. I did not know there are differences in "federal water" and "state water".
I have never thought, when getting on a 'dive boat', about if the boat would be in federal or Florida state water.
- When I sign liability waivers, does it make a difference if the boat will be in federal water / state?
- Do boat-for-hire operators have different training / licensing requirements in federal water than Florida state?
- Are there different requirements for boat / safety equipment when in federal water versus state?
- Is boat insurance a legal requirement in either state water or federal water?
- When a boat buys insurance, could an insurance policy only cover while in state waters or would it be good everywhere within U.S.A.?
1. What matters is if you file your lawsuit in federal court or state court. If you are in State waters and file in Federal court, you may have to re-file.
2. The USCG has primacy for vessel safety on all navigable waters of the US. All operators and Masters are issued MMDs (licenses) by the USCG. There are very few exceptions, that might be a land locked lake which has no outlets or inlets. If there is water flowing in or out, it is considered navigable. Operators operate uninspected passenger vessels, limited to 6 or fewer passengers. Masters Captain inspected passenger vessels, allowed to carry more than 6 passengers.
3. No
4. No
5. Not likely. It would likely be good anywhere the vessel is legally permitted to go.
You are asking the wrong questions. The only difference between State and Federal waters is who makes the rules regarding fishing and taxes. Boats are a funny animal because they are portable. In Texas, I didn't have to have a state registration, because I didn't operate in State waters, which is 9 miles out, based on some obscure French law about how far a league is. I went through State waters on my way to federal waters. Florida charges state tax on dive charters but not fishing charters. Texas doesn't charge for either. If you buy a spot on my boat, you buy it in Texas. No tax. I buy my fuel in Florida, but I have to sign an affidavit that I will leave state waters and burn it in Federal waters. There are numerous kinds of boat insurance. They cover hull (comp for cars), P&I or Protection and Indemnity (Like liability for cars), Commercial general liability (business insurance), In Water Liability (covers the divers while in the water. I pay $25k per year for this, it's the biggie), Jones Act (Workman's comp for crew), Slips, trips and falls (on the dock, the P&I covers it on the boat), Acts of Terrorism, mortgage insurance (just like your house), water pollution (in case we spill), grounding (in case we bump), and alcohol service (in case I give you a beer and you kill someone). That's what professional boats have. My coverage is in effect anywhere on the planet I am legally. That doesn't include Cuba, North Korea, Iran, or greater than 200 miles from land with passengers onboard.
If you come diving with me and a shark bites you, your tough luck. If I were doing anything to stir up the sharks and a jury agreed with you, my insurance company would defend me on my in water liability policy. The State of Florida nor the United States Government require any dive boat to have this policy. Very few do, it's mostly for professional dive boats. Did you get what I just said there? Other dive boats think that their divemaster insurance will provide sufficient coverage, which it will to the divemaster, but not to the boat.
A couple of years ago there was a diver fatality on the Doria. The widow sued everyone and their brother. The dive boat had no in-water liability policy. There was no money to defend the boat, so the boat (boats are treated like people in court) didn't respond to the lawsuit. There was a summary judgement against the boat, but the boat had no assets, so the widow couldn't collect anything from the boat. Having no money is a defense in court...