At Kinowski Agency Inc. in Amsterdam, NY, we work with boat and watercraft owners who are sometimes surprised to learn that where they dock their vessel can directly affect what their insurance needs to look like. Marinas often have their own coverage requirements, and not knowing them ahead of time can quickly put you in a tough spot.

Marinas often set minimum coverage requirements: Most marinas require boat owners to carry at least a minimum amount of liability coverage before allowing them to dock or store a vessel on-site. These minimums can vary from one marina to the next, depending on the size of your boat and the type of slip you’re renting. If your current policy doesn’t meet what the marina requires, you may not be permitted to dock there until your coverage is updated.

Some marinas want to be listed on your policy: Beyond meeting minimum coverage levels, many marinas also require that they be named as an additional interested party on your policy. This is common practice in the marine world and isn’t difficult to set up, but it needs to be handled before signing any docking agreement. Missing this step can put you in violation of your contract with the marina, even if your coverage itself is otherwise sufficient.

The last thing you want is to show up at a marina only to find out your policy doesn’t qualify. Reach out to Kinowski Agency Inc. in Amsterdam, NY, today, and let us help ensure your boat and watercraft insurance aligns with your marina’s requirements.

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