Tom & Wendy:
I think you are both being overly cautious. Let's assume that Wendy rents her house to Coley in the summer and he returns to the house in the winter unannounced and slips and falls on her dock and becomes disabled. Do either of you think he has a viable case against Wendy? I don't, because he doesn't. By the way, on the outside chance that you do become liable in a terrible accident (think snowmobiles and boats) hopefully you have an umbrella insurance policy in place. They are cheap, about $200.00 per $1,000,000 and they will let you sleep peacefully at night.
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