Insurance liability concerns close off boat launch to the public

“These launches have been used (by the public) forever … and this is the only access to the lake for a lot of people,” Lindsy Sauve, whose family has been using the launches for years, told Sudbury.com.

Sauve and other residents of the area have assumed for years that the strip of land where the launches were located was Crown property. But it turns out that the South Lane Road land is part of a larger property on the opposite side of the road, which makes it private property.

One of the owners of the property, John Sauve (no relation to Lindsy Sauve), explained that he also thought the launches were separate from his property until a detailed survey revealed otherwise.

“Our entire winter has been dedicated to trying to make sure that there won’t be a problem with that because we didn’t even know, first of all, that it was on our property – and even then we didn’t even have a clue that it was going to be such a headache,” he said.

John added that after his insurance company learned that the strip of land where the launches are was being used for a public boat launch, the insurer refused to provide coverage. The insurer reasoned that it was because of potential lawsuits that could arise should someone get injured while using the launches, or if there was property damage that led to an insurance claim.

Sudbury.com reported that after a long search, John was finally able to find an insurer who could offer coverage – with the caveat that John set up a non-profit association that restricted access to the launches, limiting potential liability. John would also have to put up a gate and offer a key only to members of the non-profit.

On top of restricting access, John said that a fee will be charged for members, to cover insurance costs and for maintaining the area. He offered assurances that the fee would be no more than what is necessary.

Pete Karageorgos, Insurance Bureau of Canada[1] Ontario director of consumer and industry relations, explained that property owners could get sued for any reason, and that closing off the launches to all but a select few is a smart move.

“So especially in situations where the activity is much higher risk than someone just knocking on your door and delivering mail — something like people launching a boat and then injuring themselves — they could be held liable,” Karageorgos explained.

Karageorgos added that before insuring properties like John’s, insurers would typically require property owners to reduce their risk, such as by limiting access through a gate or controlling who can come in and out.

The IBC director warned that there are many personal injury lawyers looking to exploit such liability issues.

“One just needs to look around and see the amount of advertisements from injury lawyers who promise, if you’ve been hurt, you know, we’ll get you the money,” he told Sudbury.com. “They make it appear as though [getting hurt] is like winning the lottery, right? So obviously people need to be concerned about having a boat launch on your property that’s publicly available or accessible.”

References

  1. ^ Insurance Bureau of Canada (www.insurancebusinessmag.com)

Source URL: Read More
The public content above was dynamically discovered – by graded relevancy to this site’s keyword domain name. Such discovery was by systematic attempts to filter for “Creative Commons“ re-use licensing and/or by Press Release distributions. “Source URL” states the content’s owner and/or publisher. When possible, this site references the content above to generate its value-add, the dynamic sentimental analysis below, which allows us to research global sentiments across a multitude of topics related to this site’s specific keyword domain name. Additionally, when possible, this site references the content above to provide on-demand (multilingual) translations and/or to power its “Read Article to Me” feature, which reads the content aloud to visitors. Where applicable, this site also auto-generates a “References” section, which appends the content above by listing all mentioned links. Views expressed in the content above are solely those of the author(s). We do not endorse, offer to sell, promote, recommend, or, otherwise, make any statement about the content above. We reference the content above for your “reading” entertainment purposes only. Review “DMCA & Terms”, at the bottom of this site, for terms of your access and use as well as for applicable DMCA take-down request.

Acquire this Domain
You can acquire this site’s domain name! We have nurtured its online marketing value by systematically curating this site by the domain’s relevant keywords. Explore our content network – you can advertise on each or rent vs. buy the domain. Buy@TLDtraders.com | Skype: TLDtraders | +1 (475) BUY-NAME (289 – 6263). Thousands search by this site’s exact keyword domain name! Most are sent here because search engines often love the keyword. This domain can be your 24/7 lead generator! If you own it, you could capture a large amount of online traffic for your niche. Stop wasting money on ads. Instead, buy this domain to gain a long-term marketing asset. If you can’t afford to buy then you can rent the domain.

About Us
We are Internet Investors, Developers, and Franchisers – operating a content network of several thousand sites while federating 100+ eCommerce and SaaS startups. With our proprietary “inverted incubation” model, we leverage a portfolio of $100M in valued domains to impact online trends, traffic, and transactions. We use robotic process automation, machine learning, and other proprietary approaches to power our content network. Contact us to learn how we can help you with your online marketing and/or site maintenance.

Share