Common, but not all, policy language for liability under a boat policy is “We will pay all sums which an insured person becomes legally obligated to pay as damages because of bodily injury or property damage resulting from the ownership, maintenance or use of the boat or boat motor described in the Declarations”. Most insurance companies would consider getting into and out of a boat from a dock as part of the “use” of the boat. So an injury that occurred on the dock may be covered under a Boat Insurance policy. Note though, only the Named Insured would be covered. Check with your agent or one of ours.
Coverage under a Condominium Owners Policy: Common policy language that might apply to the docks is “any structures or grounds you use in connection with your residence premises” so, most companies would consider your dock to be used in connection with your residence premises for your own use. However, if you rent it to others, it could fall under an exclusion for business under your policy. Some companies may be able to offer you liability coverage with what they call an “Incidental Business Endorsement”. Check with your agent or one of ours.
