Am I waiving liability insurance coverage by agreeing to this boat charter contract clause?
<blockquote>
  <p>Member shall be liable for any and all bodily injury, death, property
  damage and or loss to the boat, its gear and equipment whatsoever and
  howsoever caused by either the negligence of Member, Member's guests
  or crew, or the alleged negligence of the company during the term of
  Member's charter of a boat. Member accepts the in force insurance
  deductibles of the boat as member's liability for the boat during the
  term of Member's charter. Purchase of the damage waiver reduces
  Charterer's liability for the chartered vessel to the current
  insurance deductible to a maximum of $1600.00. This damage waiver does
  not provide personal injury, death, or property liability protection
  for Charterer. The liability insurance maintained on the vessel by the
  company, affiliated companies, or chartered vessel's owner(s), is
  excess over any applicable insurance carried by Charterer.</p>
</blockquote>

<p>The clause calls out special cases for negligence and property liability but I cannot tell whether I would have liability coverage in the event of an accident where I am not deemed to be negligent. </p>

<h2>No</h2>

<p>It specifically says that your liability for damage to the boat is limited to the insurance deductibles. Your liability for other loss is unlimited and uninsured - get your own life, health, public risk etc. insurance.</p>

contract-law insurance