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Need Dock Insurance recommendations

Discussion in 'General Yachting Discussion' started by Drifter, Nov 24, 2022.

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  1. Drifter, Nov 24, 2022
    #1
    Drifter

    Drifter Member

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    Please offer your recommendations for liability insurance for a deeded dock slip. I own, but I will be renting the slip yearly or short term, liveaboards permitted, at the newly expanded Port of the Islands Marina in Naples, FL. Thank you.
  2. Norseman, Nov 24, 2022
    #2
    Norseman

    Norseman Senior Member

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    I had a dock for 23+ years with no insurance: Rented it out many times, but as per the lease/contract the vessel owner was responsible for damage to the dock, not the other way around.
  3. Capt Ralph, Nov 24, 2022
    #3
    Capt Ralph

    Capt Ralph Senior Member

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    You may have read that wrong, or I did;
    Liability insurance will be needed to protect the land/dock owner in case the renter (and drunk guest) falls and breaks their necks while transiting your property (land & dock) to get to his boat and back.
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  4. Capt J, Nov 24, 2022
    #4
    Capt J

    Capt J Senior Member

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    Doesn't the entire marina itself have liability insurance for such situations. Also keep in mind you're going to be size limited because the draft getting in to that marina is only about 4' at low tide.
  5. Capt Ralph, Nov 24, 2022
    #5
    Capt Ralph

    Capt Ralph Senior Member

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    The marina does not own the dock. Why would they pay for the insurance?
  6. Norseman, Nov 24, 2022
    #6
    Norseman

    Norseman Senior Member

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    Probably covered by my home owners liability insurance, but on other hand, renting the dock would be a commercial operation, not covered.:rolleyes:
    Never had a problem and my dock rent agreement specified that the boat owner
    should have his own insurance.
    The property was homesteaded, can't be lost in a lawsuit..
    If the boat guy fell and broke his neck, he would have to prove willful negligence on my part?
    (Can't do, the dock was pristine at all times numerous cleats, no lose planks, motion activated security lights and 24/7 video monitoring)
    upload_2022-11-24_22-24-59.jpeg
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  7. Drifter, Nov 25, 2022
    #7
    Drifter

    Drifter Member

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    I believe you are correct but I'm pursuing clarification with my real estate attorney. The marina has insurance to cover its geography. Liability coverage for the single slip seems to be the issue.
  8. Capt Ralph, Nov 25, 2022
    #8
    Capt Ralph

    Capt Ralph Senior Member

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    That is what I am worried about for you.
    OTOH; what are the other sub/letters doing?
  9. Pascal, Nov 25, 2022
    #9
    Pascal

    Pascal Senior Member

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    Would it be commercial? If you rent a studio or apartment on your property, would it be commercial and would it require some kind of commercial insurance ?
  10. bayoubud, Nov 25, 2022
    #10
    bayoubud

    bayoubud Senior Member

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    Require a certificate of insurance from the boat owner tenant for boat and liability as "additionally insured."
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  11. Capt J, Nov 25, 2022
    #11
    Capt J

    Capt J Senior Member

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    He owns the slip, but those slips are setup as condiminiums as far as rules and regulations go. The parking lot, main dock walk ways, ramps, etc. are all "common areas" so generally they have liability insurance as well as insurance for the damages. Imagine there's a hurricane. You have insurance and your actual dock is rebuilt, but there is now no main dock leading to YOUR dock.
  12. bayoubud, Nov 26, 2022
    #12
    bayoubud

    bayoubud Senior Member

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    On my post#10, insurance certificate should name "you" as additionally insured.
    An additional insured extends liability insurance coverage beyond the named insured to include other individuals or groups. An additional insured endorsement protects the additional insured under the named insurer's policy allowing them to file a claim if sued. Your insurance company may require this, or not cover your claim when leasing to others. Doesn't sound fair but the way insurers operate today.
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