d. Finally, our conclusions and recommendations are 

 based entirely on a painstsJcing and systematic analysis of the 

 quantitative data and nonquantifiable information (published and 

 unpublished) vhich were assembled during the course of the survey. 

 V/hether these recommendations should be carried out in whole, in 

 part, or not at all lies outside the scope of this inquiry. 



5. Material arrangement . A summary of conclusions and 

 recommendations has already been placed at the beginning of the 

 report. Pyramidlike arrangement of the material was considered 

 the best way to report the results of the study. Basic tables 

 and cross tabulations follow in Appendix A of this volume. The 

 Supplement previously mentioned, gives descriptions of accidents, 

 owner's reasons for insurance coverage, oimer's occupational 

 activities, and owner's comment on the insurance problem. Samp- 

 ling techniques and other field work material appear in Appendix 

 B. The material, in the tables of Appendix A constitutes the 

 first stage in the systematic presentation of the collected data 

 and lays the foundation for further analysis and discussion in 

 the text. 



In the text herein the collected information is further 

 refined ajid summarized. Discussion on the insurance problem 

 is carried under five chapter topics: the oimer's dilemma to 

 carry or not to carry insurance on his vessel, cost of insuring 

 for hull and protection and indemnity and loss experience of 

 insurers, analysis of hull and protection and indemnity insur- 

 ance accidents, the commercial fishing vessel as an insurable 

 risk, and finally, the "insurance market." A glossary of terms 

 is attached to this report in order to facilitate understanding 

 of the insurance terminology used in the discussion. 



Except for a few instances where necessary to illustrate 

 certain points, percentaging is avoided when the percentage 

 base consists of less than thirty frequencies or cases. This 

 has been done to avoid describing any gx'eat amo\int of statis- 

 tical significance to data based on small numbers. Instead, 

 only the actual figures are cited in parentheses. The arith- 

 metic mean is used frequently and, in view of the type of data 

 assembled in the study, is considered a more appropriate measure- 

 ment of central tendency than any other. 



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