Do you include kayaks, paddle boards, motorboats, bikes, in your waterfront STR?

[David H.]

Hi.  

I'm opening up a new STR on a speedboat-friendly lake in Indiana, and I'm thinking about including kayaks, paddle boards, and bikes (there's a great 20 mile paved biking path next to our property).

These items would add a lot of built-in recreation to our listing, but I have been warned by an insurance agent that this will open our LLC up to a ton of liability should something happen to a guest using one of these items.

(I also have a 10 year old pontoon boat that I was thinking about offering as an additional rental, but I'm leaning against this due to maintenance and possible breakdowns (and especially liability)).

Does anyone have any advice on this?  And if you do offer recreation items such as these, how do you protect yourself from liability?

Thanks!