<html><body><span style="font-family:Verdana; color:#003333; font-size:10pt;"><div>Be honest with your agent and let them know you're racing. Some policies do not cover racing and it's regularly overlooked. </div>
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<div>Straight liability (club requirement) is a good option to consider, then self insure for your boat. Truth is most WYC accidents don't cost much more than the deductible. </div>
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<div>I have heard of fleets that purchase masts and bow/stern pulpits as a group and store them for use within their fleet, which is basically a self insurance program for the two most common things to break. </div>
<div> </div>
<div>Finally, most skippers should consider an increased liability umbrella policy. While I've never heard of a serious incident at WYC, you deep pocketed high falutin' rich boat owners need to C.Y.A. One million is common.</div>
<div> </div>
<div>dj</div>
<div> </div>
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<DIV id=wmQuoteWrapper>-------- Original Message --------<BR>Subject: Re: [Capri25] Flow<BR>From: Dutch Bull <<a href="mailto:dbull@northernim.com">dbull@northernim.com</a>><BR>Date: Fri, April 19, 2013 8:22 am<BR>To: John Speltz <<a href="mailto:johnspeltz@comcast.net">johnspeltz@comcast.net</a>>, "<a href="mailto:capri25@lists.wyc.org">capri25@lists.wyc.org</a>"<BR><<a href="mailto:capri25@lists.wyc.org">capri25@lists.wyc.org</a>><BR><BR>
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<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d">I would have to look it up, but I believe Magic is paying about $280 per year. Is there any chance an insurance company would be interested in insuring the fleet or possibly anyone in the club interested in a group policy. Bert, has this ever been explored?<o:p></o:p></SPAN></div>
<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d"><o:p> </o:p></SPAN></div>
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<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d">Dutch Bull<o:p></o:p></SPAN></div>
<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d">Northern Iron & Machine<o:p></o:p></SPAN></div>
<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d">867 Forest Street<o:p></o:p></SPAN></div>
<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d">St. Paul, MN 55106<o:p></o:p></SPAN></div>
<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d">PH 651-778-3338<o:p></o:p></SPAN></div>
<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d">Cell 763-300-9562<o:p></o:p></SPAN></div>
<div class=MsoNormal style="font-size:12pt;"><SPAN style="COLOR: #1f497d"><A href="mailto:dbull@northernim.com" target=_blank><SPAN style="COLOR: blue">dbull@northernim.com</SPAN></A><o:p></o:p></SPAN></div></DIV>
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<div class=MsoNormal style="font-size:12pt;"><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Tahoma','sans-serif'">From:</SPAN></B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Tahoma','sans-serif'"> <a href="mailto:capri25-bounces@lists.wyc.org">capri25-bounces@lists.wyc.org</a> [<a href="mailto:capri25-bounces@lists.wyc.org">mailto:capri25-bounces@lists.wyc.org</a>] <B>On Behalf Of </B>John Speltz<BR><B>Sent:</B> Thursday, April 18, 2013 1:49 PM<BR><B>To:</B> <a href="mailto:capri25@lists.wyc.org">capri25@lists.wyc.org</a><BR><B>Subject:</B> [Capri25] Flow<o:p></o:p></SPAN></div></DIV></DIV>
<div class=MsoNormal style="font-size:12pt;"><o:p> </o:p></div>
<div class=MsoNormal style="font-size:12pt;">Flow wants to know …<o:p></o:p></div>
<div class=MsoNormal style="font-size:12pt;"><o:p> </o:p></div>
<div class=MsoNormal style="font-size:12pt;">I just received the bill for the marine insurance associated with my Capri 25. And I asked myself, “am I paying too much.” <o:p></o:p></div>
<div class=MsoNormal style="font-size:12pt;"><o:p> </o:p></div>
<div class=MsoNormal style="font-size:12pt;">Question, does anybody in the Capri 25 fleet feel there would be some value in sharing insurance coverage and costs. We all have the same boat and are subject to the same risks. Maybe we could extract some value by comparing notes. <o:p></o:p></div>
<div class=MsoNormal style="font-size:12pt;"><o:p> </o:p></div>
<div class=MsoNormal style="font-size:12pt;">Your thoughts …<o:p></o:p></div>
<div class=MsoNormal style="font-size:12pt;"><o:p> </o:p></div>
<div class=MsoNormal style="font-size:12pt;"><o:p> </o:p></div></DIV>
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