That's why I don't take clowns for rides. You always wanted to ride in one? Get a better job, these things aren't cheap and I don't think you can afford it on a butchers salary. I take friends, close friends and that's it. And when they come down the dock with some hotties that really want to go for a ride we take a quick idle back past the reeds if you know what I mean.
My keep my boats in an LLC just in case. And that's still little protection just another layer.