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 confirming that the structure does not contain plumbing or electricity, except for compliant installations meant solely for supporting marine equipment. Additionally, the enclosed structure cannot 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. This requirement ensures that dock owners are financially responsible for any damages caused by the enclosed structures they construct. Overall, the legislation aims to enhance safety and accountability regarding private dock structures while allowing for their development under regulated conditions.