You should check with your charter company. My boat is starting it's first charter in October. As an owner I was very concerned about liability so I have read the "blah blah blah" policy as carefully as possible. At CYOA at least - and I'm assuming this is true at other charter companies as well but this is only an assumption - the charterer, charter base, and owner are all covered under the insurance policy for not only boat damage but also personal liability. The personal liability insurance has a rider policy for more personal liability insurance - intended to protect everyone involved.

So check with your charter operator - pretty sure you'll sleep better at night after you understand the built in coverage.