Originally Posted by Cookee
I have insurance and it covers clients boats - it has limits but if you're sensible it should cover the value - It's a standard part of a boat yard insurance unless you know better?
I don't know better, but I guess it depends on what deal / service you are offering.
Here at KB Dry Stack, clients boats are covered under the owners own insurance (like a marina) and we will not accept a boat onto the Dry Stack unless we have a copy of the owners insurance. We had a case a few years ago where a client's brand new boat in an upper rack leaked hydraulic steering fluid onto the upholstery of the boat below. The two owners insurance companies sorted that out without us being involved.
Obviously we have our own insurance, so in the unlikely event that we damage a clients boat, it's down to us and our insurance to sort it out.
I would expect that we have a duty of care as well, so if we leave a boat on it's trailer outside in the road and unprotected and it gets stolen - if the client is unable to claim under their insurance (because we have in effect invalidated it), we would be liable.
I feel very sorry for the OP and I'm sure things are legally different in the USA, but I would have thought that the workshop is going to have a large claim anyway and adding a customers engine to that claim would not raise any eyebrows if "handled" the right way.
Good luck anyway!