As I understand it, the owner's policy covers the owner(s) and anyone they give permission to (not written in a lease) but the issue for me really is what to do about someone that may be hit by a renter, who may sue the renter and us the owners. The renter may have insurance but we would not be protected from the third party. We have decided to try not to rent this year and see if we can get by. If not, then we will have to rent our CYV without the cart.
LW888
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"A journey of a thousand miles begins with a single step" Lao-tzu
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