Hi Ashley, your place sounds lovely. While my top priority is safety, my guests' convenience is a close second. So here is what I've done, which seems to be working.
1) I obtained a liability policy from Proper Insurance specifically for my Airbnb listing. The agent, Ashley, went through my listing photographs and description very thoroughly and asked all the appropriate questions before giving me the rate.
2) Because I trust Airbnb's vetting process and I know that guests have to upload personal documents just to obtain an Airbnb account, I didn't want my guests to have to sign any additional things. Since guests have to agree to the House Rules before booking, I decided to make one of my House Rules "Guests agree to read, understand and adhere to the Liability Waiver at the end of my listing Description." The liability waiver is too long to fit in the House Rules. The last paragraph of my Description reads:
Liability Waiver:
You understand that swimming, hiking and the use of kayaks is at your own risk and that special risks may be involved with swimming, hiking and using the kayaks. You accept full responsibility for any bodily injury arising from swimming, hiking and use of the kayaks and hold owner harmless. You understand there are potential dangers that swimming, hiking and the use of kayaks may present to children who are not carefully supervised, as well as the danger to any person swimming, hiking or using the kayaks if a person has health risks, or if a person swims, hikes or uses the kayaks while intoxicated or using any kind of drugs or medication, or while pregnant. You agree to be fully and solely responsible for any accidents you may incur. You understand the risks discussed above and agree that you will assume all responsibility for yourself and for the consequences of those in your party. You agree to waive any claim whatsoever against owner for accidents or claims arising from swimming, hiking or using the kayaks. All Airbnb Guests in my party acknowledge and agree that they have read and understand this waiver and they acknowledge that confirming below constitutes a binding and enforceable contract between Airbnb Guests and Airbnb Host.
And finally, I had to purchase a "Swim at your own Risk" sign and lifesaver ring and hang them prominently at my dock.
Proper gave me two weeks to mount the sign and lifesaver and email them a photograph as proof.
I hope this helps. I actually feel much better with these things in place and my Proper Insurance policy.
Maybe you can see my listing in Kingston, TN. River Ridge Estate.
Thanks!