River tours- if you are on a federally navigable waterway, you'll need a USCG captains license to legally run charters. A 6 pack vessel that is of US manufacture is no problem.
On the other hand, if you are on land locked waterways (that cannot be navigated to federally controlled waterways), then state law takes precendence, and a USCG license may not be required.
B&B- as an underwriter, I have very stringent requirements before I will offer coverage on a fleet managed dockside B&B:
- All cooking fuels must be removed (except diesel)
- Diesel stoves must be disabled
- The vessel must be secured so it cannot get underway under the command of the guests. Removing the keys does not count.
- The manager must either live in the marina or be within 5-10 min drive from the marina.
I don't offer coverage in individual B&B risks. The loss history on these types of risks is generally very high.