The proper safety system for those trips is having the proper radios on board that can reach Coast Guard from those distances a life raft on board for everyone in the event of fire or sinking, Eperb to take with you so they know you are in trouble and can find you quickly. A kicker is not required equipment and wouldn't hold up in court as such. Just saying.Could get sued for farting loudly at home by the neighbours
But let’s be real here if your scenario happens the defence is the safety system worked and brought you home and a refund is offered
Guess it’s some kinda big secret what the cost of insurance is
I would think it is just the cost of doing business
Like in the trucking industry no insurance no work !
But what do I know
Seems like there is a “shade of grey” to chartering or is that just a song I heard once