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Vessel Insurance Policy

Adopted June 26, 2018
Revised September 22, 2020

Commencing January 1, 2019, or upon acceptance of a slip assignment, all vessels (including recreational, commercial, and business use) must remain currently insured to retain slip license at Santa Cruz Harbor. Vessel insurance must, at a minimum, meet the following criteria:

(a) Commercial & Recreational Vessels (including business use)

  1. Provide general Liability (Protection and Indemnity) vessel insurance coverage, including wreck removal and pollution coverage, with a minimum policy limit of $300,000.
  2. Vessel insurance policies shall name the Santa Cruz Port District (SCPD) as Additional Insured, if available from the underwriter. A Certificate of Insurance certifying coverage limits shall suffice only if an endorsement naming SCPD as Additional Insured is unavailable from the underwriter.[1]
  3. Owners of transient vessels are requested, but not required, to provide proof of insurance for short-term berthing privileges. Owners of transient vessels requesting berthing beyond the two-week maximum may be required to provide proof of insurance as a condition of the extension, which requires Harbormaster approval.

(b) Additional Requirements

  1. Sublettors shall be required to provide proof of insurance for their vessels in accordance with this policy.
  2. Insurance policies for vessels held in partnership must list the individual names of each vessel partner.

(c) Excluded Vessels

  1. This vessel insurance policy is not applicable to:
    a. Vessels occupying: Dry Storage (Twin Fountains & North Harbor Dry Storage), Rack Storage
    b. Catamaran Storage
    c. Launched Vessels
    d. Human-Powered Watercraft


(a) Withhold Annual Slip Renter Parking Permits

  1. Effective January 1, 2021 (and annually thereafter), slip renters are required to present their insurance declaration page (demonstrating minimum policy requirements) in order to pick up annual parking stickers. Insurance cards or binders will not be accepted, as they do not contain the necessary policy information.

(b) Monthly Uninsured Vessel Fee

  1. Effective April 1, 2021, impose a monthly uninsured vessel fee of $75 on slip licensees who do not have a current insurance certificate on file with the District. For those slip renters with expired certificates, the penalty will be assessed 60 days after policy expiration. The penalty will be applied for no more than 12 months before initiating the slip revocation For slip licensees with commercial fishing vessels, the Harbormaster has the discretion to extend the penalty period beyond 12 months, on a case-by-case basis.

(c) Slip Revocation

  1. Effective April 1, 2022, utilize the slip revocation process as a last resort option to gain compliance.

[1] An additional insured endorsement provides the District with added protections, such as notification of a pending cancellation and the ability to streamline the claims process, in the event a claim is filed.



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