The bill establishes regulations for constructing enclosed structures on private docks in Iowa. It allows individuals with a valid dock site permit and hoist or slip assignment to build such structures, provided they are made from rust-resistant materials, do not exceed specified dimensions (thirty feet wide and twenty feet above normal water elevation), and comply with applicable building codes. Additionally, the enclosed structures must not contain plumbing or electricity, except for what is necessary to support marine equipment, and cannot be used for sleeping or habitation.

Furthermore, the bill mandates that dock owners maintain liability insurance with a minimum coverage of $1 million per occurrence for any enclosed structure built on their dock. The dock owner will be held liable for any damages resulting from the enclosed structure, ensuring accountability and protection for both the dock owner and the surrounding community.