There is no insurance or guarantee with any mooring. It is always a judgment call.
The question isn't whether the mooring owner will insure you, it's whether YOUR insurance will cover you when you are on someone's ball and it breaks. On one end, there's Joe-blow ball in front of some restaurant that you'd apparently be clearly risking your insurance coverage by taking and on the other, Boaty Balls that have at least some expectation of maintenance and safety.
It doesn't sound like anyone knows what their insurance will cover and potentially totally arbitrary. Relying on your charter company listing mooring locations on sample itineraries as some sort of protection against denied insurance or deductible claims seems risky. As we've discussed elsewhere, The Moorings lists Anegada as a wonderful place to visit on your trip but red-lines (says you are not covered in) the anchorage.
@GeorgeC1 - in 30 years you've never heard of a claim denial; can you describe some of the claims that you've heard about that were honored? I'm just curious about the scope of the claims. A broken bow pulpit from hitting the dock is one thing. A hole in the hull from hitting a reef is another.
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