Marina Operators Legal Liability (MOLL)

Marina Operators Legal Liability for Marinas & Boatyards

The moment you take a customer's boat into your care — lifting it on a travel-lift, racking it in dry-stack, moving it between slips, or hauling it for repair — you become a bailee legally responsible for that vessel. If it's damaged while in your custody, you can be held liable. General liability excludes this care, custody, and control exposure. Marina operators legal liability (MOLL) is the policy that responds.

What MOLL Covers

• Hauling and launching: A boat dropped or damaged on the travel-lift or forklift
• Dry-stack and storage: Damage to a stored vessel from handling, racking, or a rack failure
• Moving vessels: Damage while repositioning boats in slips or around the yard
• Repair operations: Damage to a customer's boat during service work
• Hurricane and weather: Damage to stored boats from covered storm events (subject to terms)

Why It's the Signature Marina Coverage

Marinas and boatyards handle vessels worth tens of thousands to millions of dollars every day. A single dropped boat or rack collapse can produce a catastrophic claim. MOLL is what stands between that loss and your balance sheet — and it's the coverage marine-specialty underwriters scrutinize most.

How Limits Are Set

MOLL limits should reflect the maximum value you have in your care at one time — the busiest point in your storage and haul-out cycle, including the most expensive vessel you handle. Underinsuring here is the most common and costly marina mistake. We help you set a per-occurrence limit and any per-vessel sublimits that match your real exposure.

Legal Liability vs. All-Risk

MOLL responds when you are legally liable for the damage (negligence). Some operators also carry broader marine property forms. We structure the right combination so a damaged customer vessel doesn't become an uninsured dispute.