Can life insurance cover Darren Maule from going into a small boat?

A couple of weeks ago Darren Maule told everyone about Brett The Builder, he's neighbour, who brought some freshly caught fish in exchange for some fresh lemons from the lemon tree. As much as Brett has challenged Darren to come with him to catch his own fish on a small boat, the breakfast host sought to seek council from his laywer, Ashton Naidoo from Mooney Ford attorneys.