Who’s Liable For Boat Damage During Dry Dock?

Dry docking is an essential part of responsible boat ownership, whether for maintenance, hurricane preparation, or seasonal storage. But what happens if your boat gets damaged while it’s out of the water? In Florida, where dry dock usage is common, liability depends on where the damage occurs, who was in control of the vessel at the time, and what your insurance covers. McCormick Insurance Inc., serving Pembroke Pines, FL, can provide valuable insights on this important topic.

Liability May Depend on Where the Boat Is Stored

If your boat is damaged while stored in a marina’s dry dock facility, liability could fall on the business, especially if the damage results from employee negligence, faulty equipment, or improper storage procedures. However, if the marina has a waiver or limited liability clause in your storage contract, its responsibility might be reduced or even waived entirely.

Boat Owners Might Still Be Responsible

In some situations, the boat owner remains liable, particularly if the damage occurred while you were moving or preparing the boat, or if your own equipment (such as a trailer or cradle) failed. If another boater caused the damage, their liability insurance might cover the costs, provided fault can be clearly established.

Review Your Boat Insurance Coverage

Many boat insurance policies include coverage for damage sustained during haul-out, storage, or routine maintenance. However, not all policies are the same. Some may exclude dry dock incidents or offer only limited protection. It’s crucial to confirm whether your policy includes “lay-up” coverage or protection during non-use periods.

Prevent Confusion with Proper Coverage

Dry dock damage can lead to disputes if you’re not adequately insured. McCormick Insurance Inc., serving Pembroke Pines, FL, specializes in marine policies and can help you navigate the fine print to ensure your investment is protected, whether your boat is in the water or stored high and dry.