Cheers All,
You are certainly most welcome for the legwork Whalebreath and no need to say thanks.
This legal interpretation/information was written by Transport Canada in a "Frequently Asked Questions" article in response to inquiries from pleasure craft operators who were concerned about breaching pleasure craft regulations vs commercial standards and the problems that may arise with their insurance. So many questions were directed that they came out with the 'everyman's english version' for those who were not capable of reading or interpreting legal documents. I do not have a specific name but, if it does make a difference, I am sure that person/committee/lawyer in TC could be identified for you should you wish to put in the time.
The information is cut and pasted as it was my attempt to provide the specifics of the issue without going through miles of boilerplate legal text as well as I have other more enjoyable activities to do such as...hmmm...fishing. Again...if you wish...I am sure you could read the actual law as it is identified for you in the response (Canada Shipping Act 2001). Everything you ever wished to know about this issue is there. This was simply my effort to clear up both the issue and the pointed comments arising from the issue in a straightforward fashion.
I didn't construct the Canada Shipping Act nor did I have input into that document. I am also sure some won't accept Transport Canada as the 'final word' and, for those individuals, there are lawyers and courts. The difference between pleasure craft and commercial within this Q&A (and the CSA2001) is very cut and dried. It is a much braver man than I who wishes to go toe-to-toe with their insurance company or Transport Canada should they find themselves on the 'other side' of the regulations.
Finally, as you mention in your response, insurance companies are notorious for looking at the insurance document to see if you are covered or not. Many call insurance companies 'slippery' or otherwise. They simply craft their legal documents in such a fashion that they have covered their butts before yours. You would be amazed at some of the tragic cases I have heard over the years about insurance that has been repudiated through breach of conditions.
If you have pleasure craft insurance (which is the majority of the insurance coverage by recreational sports fisherman) and you are actually carrying passengers (making you a commercial venture) then they will probably use every means to repudiate your insurance. When you get upset that they do that I wonder why. They offer conditions of the insurance and, should you choose to break those pleasure craft conditions then you have made the choice to invalidate your insurance and they are only following the contract or, in this case, the lack of a valid and enforceable one. N'est pas?
Let's go fishing!
