Not so hasty to seaboat captain. I heard recently from a law enforcement source that 200 vessels disappear each year, and the insurers don't even question, let alone search. Piracy is alive and well in areas of multiple small islands.
Indeed, the insurers hardly seem interested in reducing aviation losses; they just adjust the premiums to the losses, plus profit, of course.
When the additional cost of insurance for single pilot is reduced enough, the F/O is in trouble.
GB