I would think that the boat owner would be responsible for having his own insurance, just as you agree to do when you store your boat at a marina. You'd have to be nuts to rent a mooring at what, maybe $1,000 a season, then take on the liability of a 10, 20, 30, 50 thousand dollar boat. I would think this is covered in the mooring contract, if not, then the mooring owner is foolish.
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