Re: transom and motor ripped off of pontoon
When you rent something you are responsible for the condition. You don't need a written contract. If I loan you my car and we agree that you are responsible for returing it in the same condition, that is, in fact, a contract. When you rent something, often this is implied. You can't include insurance in the price of anything. It would have to be a separate line item and you would have to sign an agreement for it.
While I think it would be a smart practice to offer insurance as a business owner because, quite frankly, you will make piles of money on it, it also makes messes like this cleaner. But, most people would not take it anyway.
The owner has virstually no responsibility in this, UNLESS you could prove neglegence on their part. For example, renting the boat to someone while knowing they put too many people on it, or improper safety equuipment, renting to a drunk person, etc...