If you have auto and home insurance with them your liability should be covered that way. If not, then the Hobies will be on their own.
Howdy, Namaste & Aloha to all AI afficionadoes!
I do have both home & auto insurance from State Farm, but was told they'd only cover up to $1000 for each boat, with no liability. The agent and I laughed together at the thought of giving kayaks liability insurance. It seems a bit overkill. I bit the mango and paid for more theft insurance to sleep better; even unfolded on a trailer the boats stand out and get a LOT of attention.
BTW, the Hobie trailer has a humongous Yakima box bolted to the top of the "T" brace. When covered with a tarp, it ends up looking a lot like an old car is underneath. Perhaps this is anti-theft camoflague? Of course, I also use a ball hitch and latch lock (which would probably slow a thief down 25 seconds).
I'm lucky to live in a low crime area, where crack heads won't steal your 1956 black & white TV and rabbit ears with tin foil to get money for their next fix.
Sailing on a mountain lake today,