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All the time
whenever underway
The operator of a PWC is legally required to wear a USCG-approved life jacket at all times while the vessel is in operation. This includes both personal watercraft being driven and those being towed on water skis or other similar devices.
Whenever it is underway
When boating on federally controlled waters in an 18 ft boat, you are legally required to have a life jacket or personal flotation device for each person on board, a sound-producing device (like a whistle or horn), visual distress signals (like flares), a fire extinguisher, navigation lights, and a throwable flotation device like a buoyant cushion or ring. It's also recommended to have a first aid kit and a VHF radio for communication.
No.
If your passengers are not in danger
There is an OSHA-approved forklift certification course that can be taken in order to legally operate a forklift. Most of the training can now be done online.
It is required to have liability car insurance to legally drive in Tennessee.
Not legally
You don't.
I don't think it is legally required. But it is posted to be a deterrent to crime.