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Ooh, I have a scenario that has developed today. This could be fun.

The co-op I'm part of is having trouble finding vessel insurance. Someone is suggesting as a temporary alternative that we amend the bylaws to say that in the event of damage to the vessel, instead of the skipper being responsible for paying it back (or fixing it themselves), up to the cost of "the deductible", the responsibilities and costs would lie with the co-op as a whole.

They're trying to conduct a vote by email, and it's one of those situations that leaves me very indecisive about the correct, safest, and most beneficial course of action.

Option A: Leave it the way it is. Skipper pays.
Option B: Change the bylaw, everyone chips in.
Option 3 (it doesn't get a letter because it's a choice but not a vote per se): Rejecting the wording of the proposed amendment, with or without reasons.

The main reason I'm hesitant to go with B is that its wording doesn't leave any recourse for the rest of the co-op to protect itself from malicious actions, intoxication, or other such egregious irresponsibility leading to the damage.


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