WATERFRONT &DOCK INSURANCE
SHARED DOCKS, BOAT SLIPS, AND SEAWALLS — WATER ACCESS CREATES WATER LIABILITY.
WATER ACCESS IS THE AMENITY — AND THE EXPOSURE.
Shared docks, boat slips, seawalls, kayak launches, and waterfront promenades all create premises liability that landlocked communities never face. Drowning exposure at the dock, structural failure of aging pilings, slip-and-falls on wet surfaces, and environmental risk from fuel and runoff all layer onto the association's program.
Drowning, slip-and-fall on wet decking, structural failure of pilings, and access liability for every dock user.
Storm damage, erosion undermining, and structural failure of waterfront stabilization infrastructure.
Fuel spills, lawn runoff, and erosion chemicals entering waterways create pollution liability exposure.
Non-motorized launch areas create slip-and-fall and drowning exposure at water access points.
TAP EACH EXPOSURE TO SEE THE COVERAGE RESPONSE.
Waterfront communities face risks landlocked associations never encounter. Tap each to understand the exposure.
EVERY BOAT AT YOUR DOCK SHOULD CARRY ITS OWN COVERAGE.
The association's master property covers the dock structure. The association's GL covers premises liability on the dock. But individual boats moored at association slips are the owners' responsibility. The association should require each boat owner to carry hull insurance and watercraft liability, provide a certificate of insurance, and name the association as additional insured. Without these requirements, damage from a boat to the dock, a fuel spill from an owner's vessel, or an injury caused by a boat operation at the dock falls back on the association's program.
WATERFRONT & DOCK — ANSWERED.
WHAT LIABILITY DOES A COMMUNITY DOCK CREATE?
Drowning, slip-and-fall on wet surfaces, structural failure, and premises liability for every dock user. If boat slips are assigned, watercraft operations and fueling add environmental and fire exposure.
DOES THE ASSOCIATION NEED MARINE LIABILITY?
Standard GL covers dock premises. If the association owns watercraft, launches boats, or provides fueling, marine liability and pollution may be needed. Depends on whether passive dock owner or active operator.
WHO INSURES THE BOATS AT ASSOCIATION DOCKS?
Individual owners insure their own boats. The association should require hull and liability coverage with certificates. The association's GL covers the dock, not individual boats.
DOES THE ASSOCIATION NEED SEAWALL COVERAGE?
Seawalls and bulkheads are association property under master property. Storm damage and erosion repairs can be extremely expensive. Include accurate replacement values for all waterfront infrastructure.
WHAT ENVIRONMENTAL EXPOSURE DO WATERFRONT COMMUNITIES CARRY?
Fuel spills, lawn runoff, and erosion chemicals entering waterways. Standard GL excludes pollution. Separate pollution liability may be needed for communities with fueling facilities.
ARE KAYAK LAUNCHES AND PADDLEBOARD AREAS COVERED?
GL covers premises liability at non-motorized launch areas. Posted safety rules and required life jacket policies reduce exposure. Drowning and slip-and-fall are the primary claim types.
COVER THE WATERFRONT YOUR COMMUNITY LIVES ON.
Kelly Insurance Group builds waterfront association programs for the exposures landlocked communities never face. Since 1881.
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