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 adhere to specific criteria. These criteria include using rust-resistant materials, ensuring the structure does not exceed thirty feet in width or twenty feet in height above the normal water elevation, and prohibiting plumbing, electricity, or enclosed storage areas, except for those compliant with applicable building codes. Additionally, the enclosed structure must not be used for sleeping or habitation purposes.

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. This legislation aims to ensure safety and accountability for private dock structures while providing guidelines for their construction and insurance requirements.