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"An owner isn't required to be present when a boat is underway."
No, but a bay constable or other uniform may want proof that the boat isn't stolen, and having a note from the owner plus some contact information would help with that. With a freighter--the issues will be somewhat different. I think we've all heard of freighters being "arrested" in harbor and the crew seeking aid (food and water) while they were stranded, in some cases with the actual ownership under investigation because no one wants to admit to it.
A note from the owner also protects the "borrower" in case there's some major incident. You never know when someone will turn around and try to duck out of liability )as the owner) by saying "No, I didn't say he could take the boat and do that." The world shouldn't work that way--but it does, often enough.
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