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Your guide to boat insurance in Ontario.
While not mandatory by law, boat insurance is highly recommended for those who own a watercraft. We’ve got the coverage and the savings you need to feel at ease and confident on the water, starting today.

Set sail with confidence and savings!
Whether you’re a seasoned sailor, an avid angler, or simply love spending time on the water, we understand the importance of protecting not only your vessel, but also your lifestyle. Secure the right coverage for as little as $100/ year and experience peace of mind on your next adventure – the way boating was intended.
Vessels which qualify for this insurance:
- Fishing boat
- Pontoon boat
- Personal watercraft
- Power boat

Coverages
Boat Insurance in Ontario covers these 4 basic risks:
Liability
Fire

Theft
Collisions
Optional Coverages
What would we recommend?
We stand firmly behind our necessary coverages, but sometimes a little extra protection can make a big difference. In addition to those listed above, consider the following optional coverages to better protect yourself and your investment.
Sinking or Capsizing
Boat Radios
Explosions
GPS Systems
Boat Radios
Hull & Machinery
Protection & Indemnity
Medical Expenses
Wreckage Removal
Frequently asked questions
Your questions, asked and answered by our team.
Insurance rates are dependent on boat size, horsepower, boater experience and operational range. For a boat that’s $20,000 in value, rates start at $300/ year. For boats closer to $100,000 in value, rates begin around $1,500/ year in order to properly insure the vessel and its contents.
Claims and accidents are known to happen, even when we’re operating with the highest level of safety. We provide a 24/7 claims support service that’s there for you when such events occur.
Boat insurance is not mandatory in Ontario, however it is recommended. In the event you are financing a boat, you will be required by the bank to carry insurance until the loan is completed. If you moor your boat in a marina, you may need to carry a certain amount of liability insurance in order to continue housing your vessel at such a location.
No, your home policy is not designed to provide coverage for your watercraft. This must be added onto an additional rider. For this reason, we recommend considering an individual boat insurance policy.
Anyone operating a boat in Canada must possess their Pleasure Craft Operator’s card.
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Moreover, June should be an insurance-for-dummies instructor. I learned more in three days from her clear, cogent explanations than I had ever understood in my 36 years of being insured.
She shared her expert knowledge of a baffling industry to help me navigate within it not just now, but in the future as well. For example, she is the first to ever explain that if I have an at-fault collision with an insurer who offered first-incident forgiveness, but then I leave that insurer for another (within x number of years), the forgiveness doesn't carry over to the new insurer - and boy howdy, the new insurer does NOT care how minor the collision or how many decades of perfect record preceded that one at-fault. This and other invaluable information she taught me will help steer my insurance decisions forever more. Thank you June!
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Amy Brown great service
Upon reaching out to Bryana Brunette, the entire quote process was remarkably straightforward. I conveniently booked an appointment online at a time that was convenient for me within her availability. Bryana Brunette ensured that the entire process was as simple as I have ever experienced, even after numerous years of seeking insurance coverage.
I wholeheartedly recommend this broker company, as I am confident that many of their brokers possess the same level of thoroughness as Bryana Brunette. However, I must emphasize my exceptional admiration for Bryana Brunette’s exceptional timeliness, efficiency, thoroughness, and respect.
highly recommended!
Happy client!
Great experience. A++
They gave me best quote and the customer service is ultra high level.
The most impressive is Amy Brown not only she is truly professional but also a very good person.
Thx you so much for the effort team.
Call her and she will get you the best deal.
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With this in mind, I apologize Alex Shortridge for the wait
she was genuinely one of the most patient people I have ever had the pleasure of working with, I had many confusing questions that she answered and reworded her answers to help me better
And throughout the process of me trying to find a car, she made the process of getting quotes super simple and easy
All around the experience I had with this human being was excellent
Frankly, that word doesn’t carry enough power to explain how happy I am with her work
As you can tell, I am happy with the service
Thank you for making this process less confusing for me Alex!!
I’ve dealt with many brokers in the past, but Alex stands out by far. She’s knowledgeable, incredibly friendly, and made the entire process feel easy and stress-free. If you're looking for someone who’s honest, efficient, and truly cares—Alex is the one to call. Highly recommend!
Thank you.
They have been growing a lot and it is well deserved, will continue to work with them into the foreseeable future
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