Recently someone from a local advertising outfit asked to use my boat for a day of shooting a tv commercial for a plastic surgeon. The idea was to post beautiful models on my boat, go out in the middle of the lake all day, and shoot film for the commercial. I would skipper the boat. They offered me $300 for my time. Needless to say I thought this sounded like fun. I told the guy it was go if my insurance was in order.
So I called Boat US.
They said my coverage was strictly for private/pleasure use and would not cover such activities as commercial filming. They did not offer a rider. Furthermore the said that I would have to obtain commercial insurance and Boat US would cancel my policy. Not good.
This leads to a lot of questions about insurance which I can narrow down to the following:
1) Would the insurance that a company like the Moorings uses for covering their boats for charter work? What sort of policy that is good for one day is available?
2) Would I need a Coast Guard Captains license for skippering the boat for this activity.
Thanks for your input,