tpcook said:For me 8 years of litigation in USA even though the property is in the BVI. BVI insurance company just walked away and said sue us.
Just because the liability was in the BVI does not bring the case to the BVI. Plaintiffs chose where the litigation will take place. There were able to choose the USA as I used the internet to advertise. SUCKS! <img src="http://www.traveltalkonline.com/forums/images/graemlins/smashpc.gif" alt="" />
I do not want to confuse business insurance with personal liability.
My original point is you never know who is going to accuse you or a family member of doing some damage. We should all have a solid general liability policy that will hire the right lawyer to defend us wherever we are accused.
Life is not just boats in the BVI. Let's say we do hire a boat with the best possible insurance in the USVI. At some point in the travels we move the boat to the BVI. Following the advice of many on this forum we rent a vehicle at one of out island stops. Dad or Mom quickly rent the local vehicle. Somewhere along the day one of the minors with us harms a local on a moped using the vehicle Mom or Dad rented. Who sorts that out for you? The Moorings or like policy? Or your personal liability underwriter or your personal credit card/wire transfer.
I encourage you to not look at insurance as a one trip thing. You should have a legal defense and liability underwriter for anything someone might try to accuse you or a family member of at home, school, or anyplace a plane or boat might bring you.
