I'm not going to mention too many details- just in case.
But, be careful with what you do and whom you have on your boats.
A 'friend' of mine just recently restored a nice 42-footer. The boat is incredible, now. VERY nice. But, that's not my point.
When he finished earlier this year, he got a wild hair and decided, like me, that he needed a PWC. So, he bought an older basic model (no reverse, etc.). Built his own davit system for the PWC to ride along on his boat.
Everything is set for a fun weekend now, right?
Well, he invites his buddies from work out on a Friday afternoon for some fun on the beach, BBQ, jetskeet riding, beer drinking, etc. I happen to be on the beach that day with the skiff, with my brother-in-law.
One thing leads to another, few beers here and a few beers there ...
Next thing you know, you have buddies riding your 'skeet and on your boat that know nothing about either one ... have a good buzz ... then, the unthinkable.
A fool loses control of the 'skeet, smacks the side of my friend's boat at about 40mph at a 30% angle. SERIOUSLY injures himself, and does some superficial damage (luckily) to the boat.
You learn who your friends are- quickly.
To make a long story short, my friend has not been on the water since then ... too busy fighting legal/insurance issues.
Seems that the the idiot that crashed is sueing my friend, AND their mutual employer. They are considering it a 'work event' since they left work early to go to the boat.
It's a big mess. Make sure you carry an umbrella liability policy, if you don't already have one.
My friend's boat will most likely be gone as part of the settlement to a so-called drunk co-worker that crashed my friend's 'skeet in to my friend's boat. UNBELIEVABLE, but true.
Stay well insured, and be careful.
That's why to this day, I let NO ONE ride my Sea-Doo but family. No even my closest friends get on, unless they are a passenger.
This guy may even lose the equity in his house over this "underinsured" situation.
Nothing else matters but how I raise my children ... and their opinion of me, as a father.