Join Date: Jun 2000
Location: CT/ Long Island Sound
Thanked 26 Times in 25 Posts
Rep Power: 16
Our yard solves this problem by lumping haulout and launching charges together -- when they pull you out. That way, you've already paid for the launching, whenever it occurs. They also require boats to be launched each season because they need the parking spaces for the marina slipholders and restaurant clients. For the Original Poster... shouldn't the yard have its own insurance, if they plan to stay in business? If they require YOU to have liability insurance, you should be able to obtain an inexpensive policy just for the hours or the day or two you would need to get the work done. An insurance survey is usually quite minimal. They want to make sure that the boat actually exists, and isn't about to sink. For a liability policy, they'll want to make sure your mooring line isn't chafing through or your cleats about to pull out with you to windward of a $20,000,000 yacht, that your propane tanks and lines are properly run, that your bilge isn't a fire hazard, and that you have the appropriate safety gear and fire extinguisers. It shouldn't be too intimidating, though it may cost more than not buying any insurance at all. If this is too much of a problem, isn't there a pier somewhere that you can tie alongside at high tide and ground out at low, and work on the bottom there?