Is there ANY value in having "also insureds" under your policy???

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Posted by Sumit on May 23, 2003 at 13:53:49:

In Reply to: Re: I did and you seem not to understand posted by Jim Hoffmann on May 23, 2003 at 12:32:33:

Let's hypothetically assume that I TOTALLY screw up while divemastering on a boat, and someone gets hurt and decides to sue.

My understanding is that the common practice is to take a bit of a shotgun approach and sue anyone even remotely involved with the incident. Now, if everyone else is getting sued (boat, shop, captain, other DM), aren't they going to get sued for their supposed negligence, i.e not training me correctly, not making sure I'm fit to DM before letting me work the boat, etc.? (I think there was some verbiage to that effect in some of the letters that Captain Tim posted) If they're sued for their own actions, how does the "also insureds" in my policy have ANY value?

I'm confused.

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