A properly licensed tour operator from within the resort or from outside the resort should have appropriate insurance at about the same cost to the operator for that specific activity. If you use someone's cousin to take you on a tour, you get what you pay for-I have in fact sometimes gotten much more than I might have paid for otherwise. I personally would not expect to collect very easily from any tour operator in Jamaica for a mishap. If the operator is licensed by the Jamaican Tourist Board you might have some recourse in case of a grievance. The signs where they do exist remind me of the various signs that state "Not Responsible for Checked Coats" or the ones that state "You Ride this Roller Coaster at Your Own Risk". These signs are meaningless in the case of owner negligence. There have been some murders recently in Westmoreland. Let us hope that none of us get caught in the crossfire. Usually these things happen away from tourists. It was sometime ago that an American was caught in the crossfire and killed in Sav.