Plus you will need wind if I am not mistaken@Andrew Steffens is in that neck of the woods and might have some insurance notes.

I suspect you are right, the risk seems pretty low.Ours is near Kilmarnock Viringia in the northern neck just off chesapeak bay. http://bluecrabcove.com

The Tennessee Titans have a new quarterback, rookie Will Levis, who took over after an injury to starting quarterback Ryan Tannehill, and he has an interesting coffee routine: he puts mayonnaise in his coffee.

Quote from @David Perry: Liability insurance covers accidental property damage by your tenant (e.g. kitchen fire) or personal injury (e.g. fall down the stairs).Talk to your insurance carrier and ask them for advice.

While the tenant was sleeping the window fell on her and caused injury. 

to add insult to injury, there were $28,000 of unrecorded involuntary liens against the property for selling the dogs without a license. 

Liability insurance for future injuries on the dock?

It is a quick way to bankruptcy, especially if there is a guest injury, even if they are negligent and not fault of yours.Having the correct insurance to cover not only damage but guest injuries is why you have commercial STR insurance.

The lower 2’ of the window is about waist-high up to neck-high, remaining 2’ is neck-high and up.

I would suggest a minimum Workers Comp. policy in case of an injury to a uninsured subcontractors employee.