Tenth, a bi-oad and intensive educational program is highly 

 recommended. Such a program should include a variety of objectives 

 such as the following: (a) to train captains, engineers, and 

 navigating personnel in order to help them obtain their licenses; 

 (b) to disseminate information on the fundamentals of negotiating 

 an insurance contract, namely the principles of insurance, the 

 rights and obligations of the insured and the insurer, the limita- 

 tions, and their inportance to the insured ovmer, the captain, and 

 the crew; (c) to influence the attitudes and conduct of ovners, 

 officer personnel, and crew \rLth regard to preventing accidents 

 and minimizing their severity; (d) to foster and encourage coopera- 

 tion among ovmers in the insurance field and bet^^'een labor and 

 management by emphasizing the benefits which such cooperation may 

 bring to all concerned; and (e) to disseminate information to the 

 vessel o'vmers on the application of sound business techniques, 

 emphasizing sound cost accounting and depreciation methods. 



Eleventh, wherever possible, the Federal Government should 

 encourage the establishment of limited self -insurance plans and 

 insurance cooperatives by offering free expert advice on how to 

 operate such plans. Of course, this type of aid should be given 

 under certain conditions which id.ll guarantee genuine and lasting 

 cooperation among vessel owners. 



Twelfth, the demerits of the existing legislation which 

 determines the method of setting vessel o^jner's liability for 

 accidents sustained by crews were well exposed in the survey. 

 They should be rectified by new legislation. However, further 

 study is required. Such a study is recoiimiended idth the follow- 

 ing objectives: (a) to estimate whether the cost of insurance to 

 the o^mer under worlunen's compensation would be less or more than 

 under the present system; and (b) to consider ways and means which 

 will malce the new legislation more acceptable to the vessel owners 

 and to the fishermen. 



Thirteenth, the establishment of a system for the systematic 

 compilation of statistical information about the loss experience 

 of each vessel, the accident record of each fisherman, and the 

 insurability of each vessel owner would be a long step tov^ard the 

 lasting solution of both the hull and protection and indemnity 

 insurance problems. The Federal CJovernment should encourage any 

 effort on the part of the insurers to establish a system for the 

 registration of accidents. In fact, the Government should under- 

 write part of the whole initial cost required for the establishment 

 of such a system. The advantages which will be derived from a 

 systematic registration of accidents can be summarized as follows: 



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