Protect your watercraft, your passengers, and your liability on the water, at the dock, in storage, and while travelling. Whether it's a personal watercraft, a fishing boat, a sailboat, or an express cruiser, your boat is a major investment and a major liability exposure.
Fast, fun, and high exposure. We structure coverage for liability, theft, transport, and damage, plus the right options for new units and financed purchases.
From aluminum fishing boats to family runabouts, we tailor coverage around usage, trailer transport, seasonal storage, and accessories like electronics and trolling motors.
Higher values, more systems, and more moorage and storage considerations. We'll build the policy around hull value, equipment, tender coverage, and liability.
Liability is often the biggest exposure, especially with passengers, towing, and busy waterways. We typically quote $1M as a baseline and strongly recommend $2M because the price difference is often modest relative to the added protection.
Covers damage to your watercraft from accidents, impacts, storms, and other covered causes, subject to your deductible and policy terms. This is core coverage for newer and higher-value boats.
Boats are frequently targeted in driveways, marinas, and storage yards. We'll ensure your policy addresses theft, fire, vandalism, and storage-related losses with sensible limits.
Not every policy provides the same coverage outside Ontario or outside Canada. Some policies restrict coverage in certain U.S. states, and travel plans can affect eligibility and claims response. If you plan to trailer your boat out of the country, talk to your broker before you go.
Liability is often the biggest exposure, especially with passengers, towing, and busy waterways. We typically quote $1M as a baseline and strongly recommend $2M because the price difference is often modest relative to the added protection.
Covers damage to your watercraft from accidents, impacts, storms, and other covered causes, subject to your deductible and policy terms. This is core coverage for newer and higher-value boats.
Boats are frequently targeted in driveways, marinas, and storage yards. We'll ensure your policy addresses theft, fire, vandalism, and storage-related losses with sensible limits.
Not every policy provides the same coverage outside Ontario or outside Canada. Some policies restrict coverage in certain U.S. states, and travel plans can affect eligibility and claims response. If you plan to trailer your boat out of the country, talk to your broker before you go.
Get a boat quote that's built around how you actually use it
Tell us what you boat, where you use it, and whether you trailer into the U.S. or travel out of country. We'll structure coverage properly and provide clear options.
Storage arrangements, moorage contracts, financing, and travel can create specific insurance requirements. We'll confirm what you need and make sure your policy matches.
Where you operate, how long your season is, theft risk, storage method, and boating experience can all influence premiums and eligibility.
Some policies restrict coverage in certain U.S. states or outside Canada. If you are trailering out of country, we'll confirm your policy territory and fix any gaps before your trip.
Storage arrangements, moorage contracts, financing, and travel can create specific insurance requirements. We'll confirm what you need and make sure your policy matches.
Where you operate, how long your season is, theft risk, storage method, and boating experience can all influence premiums and eligibility.
Some policies restrict coverage in certain U.S. states or outside Canada. If you are trailering out of country, we'll confirm your policy territory and fix any gaps before your trip.
Quick items that prevent expensive surprises later. If you are already insured, we can review your current policy for gaps and quote alternatives if it makes sense.
Make, model, year, hull value, engine details, where you use it, where it's stored, your boating experience, and any major upgrades. If you have a trailer, we'll want trailer details too.
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