Boat insurance South Pacific- what do you do?

[pnwcat]

Hey Sailors,
I do understand the current state of boat insurance policies for people in my position. (Older boat in great shape). I also understand that in order to qualify for coverage for the South Pacific I have to 3 adults with decent offshore experience to get said coverage and I have to move out of the SP by November once I'm there.

My question is: What are people actually doing who stay in the SP year-round and are running with crew who are not considered seasoned enough to qualify for traditional coverage? Do you get liability coverage upon arrival to SP from a carrier there?

Are most people crossing from Mex uninsured for the passage?

What is the reality, please and thank you!

[Celestialsailor]

First, welcome to the forum. In regards to your question..."What are people actually doing who stay in the SP year-round and are running with crew who are not considered seasoned enough to qualify for traditional coverage?"...probably running uninsured. Insurance companies want minimal risk. That is how they hold onto their money. I'm sure, in the next few months, you will here about Insurance settlements in Florida and how they will minimize payouts.