When you’re out in your watercraft, there are times when you, as captain, can allow someone else to feel the thrill of guiding your watercraft. It’s important to know what your policy allows, so you can be sure you, your passengers, and other drivers are safe and protected
“Whether you’re instructing a family member, or letting a trusted friend take over, anyone you give permission is generally covered.” ~Chad Mullen, Lane’s Insurance
There are exceptions to this rule if you’re a marine professional. Additionally, if your policy has a named operator endorsement, only the operators listed on the policy can operate it. This kind of endorsement is most common on high-performance watercrafts.