The financial burden of a boating accident isn’t just limited to the cost of repairing or replacing your boat. It would help if you also considered the potential expenses of covering damage to someone else’s property and even medical bills that may arise when people are injured. Liability coverage protects you financially if you’re held responsible for causing bodily injury or property damage.

While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, adding to the bottom line.

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Add comprehensive coverage for risks such as:

• Fire
• Lightning
• Hail
• Theft and vandalism

You face significant risk when you put it away for storage in the winter. We can help mitigate your loss due to theft by having your watercraft insured on a policy.

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Mice, rats, squirrels, raccoons, etc. Those little guys sure can cause a lot of damage! Certain insurance carriers don’t tend to cover this common claim for boats. Ask an advisor if your policy offers protection against vermin today.

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If the policy declaration page specifies fire department and/or search & rescue coverage, the policy will provide coverage up to the indicated limit for charges incurred to save or protect the insured watercraft from loss or damage. Ask your broker to review the limit for you during your next review.

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Disability coverage replaces some of your income if you can’t work because of an injury or illness. This monetary benefit will continue until the benefit period ends or you return to work. It can help you and your family pay for necessary expenses like your mortgage, car payments, utilities, groceries, etc.

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Did you finance your boat? If you did, you might have also signed up for a form of Life Insurance!

Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We can offer you the following:

• Non-commission dedicated advisor with industry experience.
• Regular touchpoints with your advisor to ensure that your plan is working for you.
• Access various services, including habitational, auto, travel, business and farm insurance solutions.

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