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Commercial Coverage

Marine Insurance

Comprehensive watercraft insurance for cruisers, pontoons, sailboats, personal watercraft, fishing boats, and more — guided by RIBO licensed brokers across Ontario and Canada.

Who We Cover

Coverage for every type of watercraft.

Whether you own a personal watercraft, a pontoon for weekend use, a fishing boat, or a cruiser for extended voyages, standard home or auto policies do not adequately protect your watercraft or your liability on the water. Marine insurance is purpose-built for these exposures.

Our brokers work with carriers that specialize in recreational and commercial marine coverage to build programs that match your vessel, usage, and budget.

Common Coverages

What a marine policy typically includes

Coverage varies by vessel type — common inclusions across programs:

Hull and equipment physical damage coverage
Third-party liability coverage
Medical payments coverage
Uninsured/underinsured boater coverage
Trailer coverage
Towing and emergency assistance
Fuel spill liability
Wreck removal
Personal effects and accessories coverage
Vessel Types We Cover

Coverage by watercraft type.

Cruiser Insurance

  • Physical Damage — Hull & Equipment
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Boater Coverage
  • Personal Effects
  • Towing & Assistance
  • Fuel Spill Liability
  • Wreck Removal
  • Trailer Coverage
  • Emergency Trip Interruption

Pontoon Boat Insurance

  • Hull & Equipment Coverage
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Boater Coverage
  • Personal Property Coverage
  • Trailer Coverage
  • Towing & Roadside Assistance
  • Fishing Equipment Coverage (optional)
  • Fuel Spill Liability

Sail Boat Insurance

  • Hull Coverage
  • Mast & Rigging Coverage
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Boater Coverage
  • Personal Effects Coverage
  • Racing Coverage (optional)
  • Trailer Coverage
  • Emergency Towing
  • Wreck Removal

Personal Water Craft Insurance

Jet Ski, Sea-Doo, WaveRunner

  • Physical Damage Coverage
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Watercraft Coverage
  • Theft Protection
  • Trailer Coverage
  • Accessories Coverage
  • Emergency Assistance
  • Fuel Spill Liability

Runabout Insurance

  • Hull & Equipment Coverage
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Boater Coverage
  • Personal Effects Coverage
  • Towing & Assistance
  • Trailer Coverage
  • Wreck Removal
  • Fuel Spill Liability

Fishing Boat Insurance

  • Hull Coverage
  • Liability Coverage
  • Medical Payments
  • Fishing Equipment & Tackle Coverage
  • Electronics Coverage — Fish Finders/GPS
  • Trailer Coverage
  • Towing Assistance
  • Fuel Spill Liability
  • Uninsured/Underinsured Boater Coverage

Bass Boat Insurance

  • Hull Coverage
  • Liability Coverage
  • Medical Payments
  • Fishing Gear & Tackle Coverage
  • Electronics Coverage
  • Trailer Coverage
  • Tournament Coverage (optional)
  • Towing Assistance
  • Fuel Spill Liability

Jet Boat Insurance

  • Hull & Equipment Coverage
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Boater Coverage
  • Personal Effects Coverage
  • Trailer Coverage
  • Towing Assistance
  • Fuel Spill Liability
  • Wreck Removal

Sport Boat Insurance

  • Hull Coverage
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Boater Coverage
  • Watersports Liability (optional)
  • Personal Effects Coverage
  • Trailer Coverage
  • Towing Assistance
  • Fuel Spill Liability
  • Wreck Removal

Deck Boat Insurance

  • Hull & Equipment Coverage
  • Liability Coverage
  • Medical Payments
  • Uninsured/Underinsured Boater Coverage
  • Personal Property Coverage
  • Trailer Coverage
  • Towing & Emergency Assistance
  • Fuel Spill Liability
  • Wreck Removal
Request a Marine Insurance Quote

RIBO licensed brokers · Ontario, Canada · No obligation

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