Ron,
Liability only insurance won't cover sunken boat, unless it can be shown to
have damaged someone else's property in the process, and doesn't cover when
acts of nature cause the sinking. Acts of nature would fall under the
damaged property owner's insurance. Similar to if a tornado picks a car up
and tosses it into your neighbor's house. Your car insurance doesn't cover
the damage to their house.
Think of liability insurance as when you do something to cause damage to
someone else or their property, or your equipment fails and causes damage to
someone else or their property.
Rob,
Again, think about who's equipment the cradle or jack stands are. If the
jack stands belong to the club, their insurance is liable for any failure
due to the jack stands. If the jack stands belong to the boat owner, then
the boat owner's liability policy should cover any damage the owner's boat
does. I say should because I haven't read a marine liability only policy
yet and I'm uncertain if there are exclusions for drydock, and only coverage
for in-water liability. However, I would imagine just like other vehicle
policies, there is coverage for normal storage conditions. You should be
able to get a copy of the policy from your agent and look for the exclusions
section.
James
-----Original Message-----
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Sent: Monday, March 30, 2020 4:59 PM
To: cnc-list@cnc-list.com
Subject: CnC-List Digest, Vol 170, Issue 137
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Today's Topics:
1. Insurance - liability only (Ronald B. Frerker)
2. Re: Insurance - liability only (dwight veinot)
3. Insurance - liability only (Robert Abbott)
4. Re: Insurance - liability only (ALAN BERGEN)
5. Re: Insurance - liability only (Doug Mountjoy)
6. Re: COVID sailing (Bill Coleman)
----------------------------------------------------------------------
Message: 1
Date: Mon, 30 Mar 2020 20:58:12 +0000 (UTC)
From: "Ronald B. Frerker" <rbfrer...@yahoo.com>
To: cnc-list@cnc-list.com
Subject: Stus-List Insurance - liability only
Message-ID: <1964454646.1358071.1585601892...@mail.yahoo.com>
Content-Type: text/plain; charset="utf-8"
I have liability only and it didn't require a survey.? It amounts to
self-insuring one's boat, which is always dangerous, but given the low
prices for our boats, it seemed like a good idea.The latest problem though,
is that some places now require the owner to retrieve a sunken boat.? That
could be quite expensive and a liability only policy won't cover that; at
least I don't think so.? I need to check with my broker on that.RonWild
CheriC&C 30-1STL
On Monday, March 30, 2020, 02:57:18 PM CDT, dwight veinot via CnC-List
<cnc-list@cnc-list.com> wrote:
I am thinking just to buy liability insurance coverage and no replacement
value. Is that possible and if so do i need a survey report to get liability
insurance?
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Message: 2
Date: Mon, 30 Mar 2020 18:09:59 -0300
From: dwight veinot <dwight...@gmail.com>
To: cnc-list@cnc-list.com
Subject: Re: Stus-List Insurance - liability only
Message-ID:
<CAAX9F+FZOM+zeNvnKdkH9Md12h=T8b7Ea=uasj+azmvywa4...@mail.gmail.com>
Content-Type: text/plain; charset="utf-8"
Thanks. That addresses my considerations exactly. Keep us informed please
On Mon, Mar 30, 2020 at 5:58 PM Ronald B. Frerker via CnC-List <
cnc-list@cnc-list.com> wrote:
> I have liability only and it didn't require a survey. It amounts to
> self-insuring one's boat, which is always dangerous, but given the low
> prices for our boats, it seemed like a good idea.
> The latest problem though, is that some places now require the owner
> to retrieve a sunken boat. That could be quite expensive and a
> liability only policy won't cover that; at least I don't think so. I
> need to check with my broker on that.
> Ron
> Wild Cheri
> C&C 30-1
> STL
>
>
> On Monday, March 30, 2020, 02:57:18 PM CDT, dwight veinot via CnC-List
> < cnc-list@cnc-list.com> wrote:
>
>
> I am thinking just to buy liability insurance coverage and no
> replacement value. Is that possible and if so do i need a survey
> report to get liability insurance?
>
>
> _______________________________________________
>
> Thanks everyone for supporting this list with your contributions.
> Each and every one is greatly appreciated. If you want to support the
list -
> use PayPal to send contribution -- https://www.paypal.me/stumurray
>
> --
Sent from Gmail Mobile
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Message: 3
Date: Mon, 30 Mar 2020 18:19:18 -0300
From: Robert Abbott <robertabb...@eastlink.ca>
To: cnc-list@cnc-list.com
Subject: Stus-List Insurance - liability only
Message-ID: <c3e5da7d-34b2-f78a-0aca-d4b68fbbe...@eastlink.ca>
Content-Type: text/plain; charset="utf-8"; Format="flowed"
If during winter layup (cradle or jack stands) or any other instance your
boat damages another boat on club property, does 'liability only'
cover those situations?? If no, that insurance would not be acceptable at
our club.
Rob Abbott
AZURA
C&C 32 #277
Halifax, N.S.
On 3/30/2020 6:09 PM, dwight veinot via CnC-List wrote:
> Thanks. That addresses my considerations exactly. Keep us informed
> please
>
> On Mon, Mar 30, 2020 at 5:58 PM Ronald B. Frerker via CnC-List
> <cnc-list@cnc-list.com <mailto:cnc-list@cnc-list.com>> wrote:
>
> I have liability only and it didn't require a survey.? It amounts
> to self-insuring one's boat, which is always dangerous, but given
> the low prices for our boats, it seemed like a good idea.
> The latest problem though, is that some places now require the
> owner to retrieve a sunken boat.? That could be quite expensive
> and a liability only policy won't cover that; at least I don't
> think so.? I need to check with my broker on that.
> Ron
> Wild Cheri
> C&C 30-1
> STL
>
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Message: 4
Date: Mon, 30 Mar 2020 14:23:31 -0700
From: ALAN BERGEN <trya...@alumni.usc.edu>
To: "C&C" <cnc-list@cnc-list.com>
Subject: Re: Stus-List Insurance - liability only
Message-ID:
<CABnKnf3aBzz96wzkWKKSjeA7MAK2=+3xo+kwarzqsmtduqd...@mail.gmail.com>
Content-Type: text/plain; charset="utf-8"
Liability insurance covers other peoples' property and injuries.
On Mon, Mar 30, 2020 at 2:19 PM Robert Abbott via CnC-List <
cnc-list@cnc-list.com> wrote:
> If during winter layup (cradle or jack stands) or any other instance
> your boat damages another boat on club property, does 'liability only'
> cover those situations? If no, that insurance would not be acceptable
> at our club.
>
> Rob Abbott
> AZURA
> C&C 32 #277
> Halifax, N.S.
>
> On 3/30/2020 6:09 PM, dwight veinot via CnC-List wrote:
>
> Thanks. That addresses my considerations exactly. Keep us informed
> please
>
> On Mon, Mar 30, 2020 at 5:58 PM Ronald B. Frerker via CnC-List <
> cnc-list@cnc-list.com> wrote:
>
>> I have liability only and it didn't require a survey. It amounts to
>> self-insuring one's boat, which is always dangerous, but given the
>> low prices for our boats, it seemed like a good idea.
>> The latest problem though, is that some places now require the owner
>> to retrieve a sunken boat. That could be quite expensive and a
>> liability only policy won't cover that; at least I don't think so. I
>> need to check with my broker on that.
>> Ron
>> Wild Cheri
>> C&C 30-1
>> STL
>>
>>
> _______________________________________________
>
> Thanks everyone for supporting this list with your contributions.
> Each and every one is greatly appreciated. If you want to support the
> list - use PayPal to send contribution --
> https://urldefense.com/v3/__https://www.paypal.me/stumurray__;!!LIr3w8
> kk_Xxm!9rkma_nSTf33ROeoupNRTCjNTslb4C2AKzry0rZZwllwhhS7cJHtUTpO2iik6Pa
> 1gIo$
>
>
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Message: 5
Date: Mon, 30 Mar 2020 14:34:14 -0700
From: Doug Mountjoy <svrebeccal...@gmail.com>
To: cnc-list@cnc-list.com
Subject: Re: Stus-List Insurance - liability only
Message-ID: <5e8265db.1c69fb81.34e09.e...@mx.google.com>
Content-Type: text/plain; charset="utf-8"
A yacht policy will include the EPA spill coverage. We are going through at
my YC. Not sure if a liability only policy will include the required
coverage. It is around $933k. You also want to have your marina listed as
the "also insured" .Hope this helps.?Doug Mountjoysv Rebecca Leah?C&C
Landfall 39Port Orchard yacht club
-------- Original message --------From: "Ronald B. Frerker via CnC-List"
<cnc-list@cnc-list.com> Date: 3/30/20 13:58 (GMT-08:00) To:
cnc-list@cnc-list.com Cc: "Ronald B. Frerker" <rbfrer...@yahoo.com> Subject:
Stus-List Insurance - liability only
I have liability only and it didn't require a survey.? It amounts to
self-insuring one's boat, which is always dangerous, but given the low
prices for our boats, it seemed like a good idea.The latest problem though,
is that some places now require the owner to retrieve a sunken boat.? That
could be quite expensive and a liability only policy won't cover that; at
least I don't think so.? I need to check with my broker on that.RonWild
CheriC&C 30-1STL
On Monday, March 30, 2020, 02:57:18 PM CDT, dwight
veinot via CnC-List <cnc-list@cnc-list.com> wrote:
I am thinking just to buy liability insurance coverage and
no replacement value. Is that possible and if so do i need a survey report
to get liability insurance?
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Message: 6
Date: Mon, 30 Mar 2020 17:57:49 -0400
From: "Bill Coleman" <colt...@gmail.com>
To: <cnc-list@cnc-list.com>
Subject: Re: Stus-List COVID sailing
Message-ID: <081501d606de$41dae820$c590b860$@com>
Content-Type: text/plain; charset="utf-8"
Just got this update from Jabins.
Bill Coleman
https://imgssl.constantcontact.com/letters/images/sys/S.gif
https://files.constantcontact.com/6a66f3f8201/f90caaf5-64eb-408d-b915-55dcb6
7d85db.png
https://imgssl.constantcontact.com/letters/images/sys/S.gif
To Our Customers,
It seems that COVID-19 has caused the rules to change, once again. The
Executive Order entered by Governor Hogan this morning requires all persons
to stay at home, with very few and limited exceptions.
Although we are still reviewing the situation, it appears that BJYY as an
essential business could continue to operate on the exceedingly limited
basis I described late last week. However, as we understand today?s
Executive Order, residents of Maryland are not allowed to travel except for
very limited, essential tasks that are expressly permitted under the
Executive Order. Those coming into Maryland, as we understand it, are
subject to a 14-day self-quarantine requirement. As a result those travel
restrictions would prevent anyone from coming to BJYY and, in any event, it
appears that using boats is not an ?Essential Activity? that is permitted
under the new Executive Order.
So while BJYY could perform some limited activities, travel to deliver or
pick-up boats is prohibited. In light of that, the question becomes what is
the best marina response to this unprecedented and highly disruptive event.
Given the new restrictions, we believe the best and safest approach is to
leave boats where they are until the state of emergency contained in the
Executive Order has been lifted. This means we will be suspending hauling
and launching activities, including suspending boatel related activities,
effective at 5:00 pm today. This seems to be the least bad of what
unfortunately are all bad alternatives. Perhaps more important, by doing so
we hope to protect the health and welfare of our customers, contractors and
employees.
Give the current circumstances, we will continue to hold our storage rates
at the lower winter storage level until the state of emergency is over. We
have gotten some comments about continuing to charge storage, but I can tell
you that BJYY?s costs and expenses have not changed in any way. We are
continuing to pay all of our employees, as we have been strongly encouraged
to do by government at all levels, and because we want to maintain an
experienced and stable workforce to support our customers as we have for
decades. In addition, our tax, insurance, utility and other operating costs
and our obligations to our landlord and bank continue unchanged. We are
trying very hard to share the economic burdens being imposed on all of us by
COVID-19 and resulting orders.
We will maintain a skeleton staff and will try to address any emergencies
that arise. As are you, we are trying our best to figure out how best to
respond to this critical and evolving situation. All of us want to get back
to our normal lives as soon as possible. We will do whatever we can do,
consistent with the laws that we all must follow, to respond to your needs
and interests.
We continue to greatly appreciate your support and understanding during this
very challenging time.
Please Stay Safe.
Sincerely,
Rod Jabin
https://imgssl.constantcontact.com/letters/images/1101116784221/S.gif
Executive Order 3/30/20
<http://r20.rs6.net/tn.jsp?f=001oOfaIx2KPgyn6I2OzXu03UAcru-pUqqdI7m0DWVVnCRZ
shMouvdkle3S9NH1TJai1i0hTzQSlWGfcnXSHDlHPPtKfRtRMARjgo82oUwOla3o11ktuFO2BgGQ
u0g3YwHbx8WHQW0vSZivSBgAgzSaSjmjo_xAPAQuWvIqECyNiaJVua8GbV2Xz6p8IiQTq22EtaSR
qg3r9kbM9kGIdFY7Jz2DzWHP4dmcwToVapSlLb6RbgNYeuG2tQ==&c=QToX0VNLWnn45oinxQa5Y
g9t_NAIejMzd_PNu_lWjUvdcaozDXJltQ==&ch=N5zgu-FV-pdM7wJDZT_elJSYJjC99Jhsck857
ktCCh2SyDrBstmLhg==>
https://governor.maryland.gov/wp-content/uploads/2020/03/Gatherings-FOURTH-A
MENDED-3.30.20.pdf
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