Keep Your Coverage: Ways you might be exposed/uncovered without even knowing it
Keep Your Coverage
Insurance professionals Chris Richmond and Brett Chase will discuss the many ways in which operators can inadvertently violate their insurance contract and thus void their coverage. Presentation will cover warranties such as navigation limits, crew and passenger count, conformity with COI & stability letter, approved sail plan; incident reporting; expectations and norms for crew training, operational protocols, recordkeeping; claimant communications; survey recommendations; ensuring credit for premium payment; etc. Presentation will include actual cases, strategies for proactive compliance, and Q&A.
Chris Richmond, Allen Agency and Financial Group
Brett Chase, Berkley Offshore Underwriting Managers
Michael Rauworth, Chartwell Law Offices
Dan Rutherford, Maritime Program Group
Chris Richmond is an able-bodied seaman and former schooner captain. He holds a USCG 100-ton Near Coastal Masters license and AB with sail endorsement. He has captained the schooners Roseway, Appledore II, Mercantile and Mistress and was chief mate aboard the schooners New Way and Bill of Rights. As a licensed insurance producer in Maine, holding the Accredited Advisor in Insurance (AAI) and Associate in General Insurance (AINS) designations, Chris now works with his colleagues in Maine and elsewhere to help manage the risks and safety challenges he knows so well. Chris is a graduate of The American University in Washington, D.C and the Marine Systems Program at The Landings School in Arundel, Maine, and now serves on that school’s program advisory committee. He has also worked for Mastervolt USA and Victron Energy as North American Sales Manager. Chris lives in Camden, Maine with his wife and three children and is currently restoring a Lightning class sailboat.
Brett has been an Ocean Marine underwriter for 17 years. He recently joined Berkley Offshore Underwriting Managers as a senior marine underwriter after spending 16 years at Acadia Insurance. Outside of work you will find Brett golfing, fishing or coaching his three children in a variety of sports.
Mike Rauworth has a career of over thirty-five years at sea and at law. He holds an unlimited Coast Guard license as master of sail, steam, motor vessels, with several pilotage endorsements in the waters of three different states. He has sailed as master on more than half a dozen commercial vessels and as deck officer on more than twenty in all. His sea time runs the gamut from sail training vessels (including Eagle, Sea Cloud, Spirit of Massachusetts, and Westward) to deep-sea cargo vessels to tugs & barges and military vessels. He retired from the Coast Guard Reserve with the rank of Captain after commanding seven military units and serving as commander of U.S. Naval Forces Haiti during Operation Restore Democracy in 1994. He heads the admiralty practice at the litigation firm of Cetrulo & Capone LLP in Boston. He has served as an elected member of the school committee in his town and as an appointive member of the school building committee, and serves on the board of several historic preservation non-profits. He first joined the Tall Ships America board in 1992, drafted the joint venture agreement with ISTA for Tall Ships® 2000, serves as Tall Ships America’s liaison to Sail Training International, and currently serves as the chair of Tall Ships America’s Board of Directors
Mr. Rutherford is Director of Claims and Risk Management for Maritime Program Group, a specialty insurance program company with over 20 years of in-house underwriting experience. MPG’s core business segments include Recreational Marine, Inland Marine, Ocean Marine, and private Client Services. He is based out of the Manchester, NH office.
Dan has been engaged in the business of marine claims investigation and adjusting since. He was President and Principal Investigator of Ocean Marine Specialties, Inc., a Marine Claims Investigation and Loss Control firm based out of Cape May, NJ. He is a licensed Private Detective and Ocean Marine Adjuster and holds the designation of Certified Marine Investigator awarded by the International Association of Marine Investigators. He has handled over 9,000 field assignments and recovered over twenty million dollars ($20,000,000.00) in stolen vessels and property for over 30 marine underwriters. (He stopped counting years ago.) He holds a resident adjuster’s license in New Hampshire and non-resident licenses throughout the United States.
Dan is a recognized expert in Marine Investigation, Marine Accident Reconstruction, Vessel Identification, Marine Surveying, Vessel Valuation and Marine Related Forensic Evidence Collection and has been qualified through the federal court level. He was the recipient of the “IAMI Investigator of the Year Award” for 1996 and 1998. His case file experience includes several high profile criminal theft and fraud cases, marine vessel accident reconstruction cases, fire origin and cause investigation as well as commercial and private lines marine claims investigation. For over 25 years, he served on the BOAT/U.S. Catastrophe team as one of the senior members handling first response and salvage operations. He has been dispatched to 24 hurricane zones and has spent well over 1,000 days on hurricane field assignments.
Dan’s teaching and lecturing engagements include the American Boat and Yacht Council (ABYC), International Boat Builders Exhibition (IBEX) and the International Association of Marine Investigators (IAMI) where he also served on the IAMI Executive Board and CMI Committee. In addition to his marine related activities, while residing in NJ, he was appointed as New Jersey State Police, Department of Homeland Security Emergency Management Coordinator.
Dan and his family now reside in Hillsborough, NH.