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About Jay K. Williams, AAI, AIP, CIC, CRM
Expertise
I can answer questions relating to the following coverages: personal auto; homeowners; commercial auto; commercial liability; commercial property; business income and all other property and casualty coverages.
Experience
I have been in the insurance industry in Florida since 1979. I am currently the president of a Florida domestic insurance company subsidiary. I've taught continuing education classes in Florida and across the country. I am quite familiar with all coverages including Florida Condominium master policies and unit owner policies. I also specialize in agent professional liability. I have been a professional educator since 2001.
Organizations
I am a member of the Florida Associaion of Insurance Agents, the state affiliate of the Independent Insurance Agents and Brokers of America.
Education/Credentials
I currently carry the following professional designations:
Accredited Advisor in Insurance (AAI)
Associate in Insurance Production (AIP)
Certified Insurance Counselor (CIC)
Certified Risk Manager (CRM)
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You are here: Experts > Money > Personal Insurance > Property & Casualty Insurance > Community Dock Insurance
Expert: Jay K. Williams, AAI, AIP, CIC, CRM - 11/2/2009
Question
WE have a multifamily floating dock attached to a community common waterfront lot. It is an aluminum structure dock valued at $60000. We are looking for a comprehensive coverage (ie vandalism, storm damage etc.)policy. Also would be interested in a liability rider. What options do we have?
Answer
Hey Mike,
Liability should be the least of your coverage worries. Liability coverage for Homeowners Associations is usually readily available.
Property coverage may be another issue. Some companies are not interested in writing structures that are constructed over water. Also, some perils may be limited...such as wind coverage.
Your best bet is to contact a couple local independent agents. They represent multiple companies and will be able to shop your coverage to get the best coverage at the best price.
I wish you luck. Let me know if you have more questions.
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