Portable Boat Hoist—Where Covered?

Q

We have an HO 00 03 05 01 insured. He has a boat insured with another carrier. Not long ago, a severe windstorm blew his portable boat hoist, which was located on his premises next to his dock, against the dock. The boat hoist was smashed. The insured turned the claim in to his boat insurer under the coverage for “boat equipment,” but the insurer has denied the claim, and told the insured to present the claim to us.

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