Boatlawyer
Contributor
In short, exculpatory clauses, even those involving gross negligence ARE enforceable, IF the facts of the accident demonstrate there was no ADMIRALTY jurisdiction. If the circumstances create admiralty jurisdiction and 46 USC 193 applies, then the clauses are not enforceable.
Since fishing charters are within admiralty jurisdiction, the boat captain cannot exculpate himself from liability, hence the insurance coverage.*** By the way, most dive ops carry coverage that excludes liability for divng accidents, which goes a long way in explaining the need for the releases.
ETA: *** This is an incorrect distinction. Based on my re-read of the cases, it appears that even a fishing charter in admiralty jurisdiction could exculpate itself from liability.
Since fishing charters are within admiralty jurisdiction, the boat captain cannot exculpate himself from liability, hence the insurance coverage.*** By the way, most dive ops carry coverage that excludes liability for divng accidents, which goes a long way in explaining the need for the releases.
ETA: *** This is an incorrect distinction. Based on my re-read of the cases, it appears that even a fishing charter in admiralty jurisdiction could exculpate itself from liability.