Boat Insurance in Ontario, Manitoba & Saskatchewan

Boat insurance by Standard Insurance

If there’s one thing Northwestern Ontario and Manitoba are known for, it is our beautiful lakes and rivers – Boat Insurance is necessary to enjoy these views by water. It covers the motor, accessories, furnishings, and the main structure of your boat, along with extended trailers.

We recognize that no two boat or watercraft owners have the same products or hobbies and therefore need a customizable solution. The Standard Insurance will work closely with you to determine the most suitable Boat Insurance product for your needs.

Insurance can be applied to many types of watercrafts, including:

  • Sailboats
  • Jet skis/Sea-Doos
  • Fishing boats
  • Schooners
  • Rowboats
  • Kayaks
  • Deck Boats
  • Cabin Cruisers

What Coverage Options Are Available for My Watercraft or Boat?

There are many types of watercraft insurance to consider, with a variety of extended products to add to your initial policy. Some of the most common types of coverage provided with a basic watercraft insurance policy include:

Uninsured Boaters Coverage

If a boat collides with yours on the water and is uninsured, you could get stuck footing the bill. Uninsured Coverage is there to protect your finances.

Emergency Services Coverage

While healthcare in Canada covers a range of medical services, it does not cover the cost of an ambulance, dive team, or other services required during a boating accident. Emergency Services Coverage pays for these costs in the event of an accident, removing this worry from you and your family.

Medical Coverage

If you, a passenger, or another person is injured by your boat, your watercraft insurance pays for medical costs outside of provincial coverage. This amount is offered up to the limit specified in your Boat Insurance policy.

Liability Coverage

Liability protection takes the financial onus off of you if a passenger or other boaters are injured by your boat, or if your boat hits a structure or other property. You are not held financially accountable with Liability Coverage, up to the limit specified in your policy.

Pollution Coverage

Boats often carry more than just passengers, which means you are likely to have food, furnishings, electronics, and a fuel source onboard as well. All of these things can leak out into the water in an accident, polluting the waterway. Pollution Coverage protects against financial damages related to pollution and spills.

Loss of Boat Use Coverage

If you cannot use your boat or Sea-Doo for some reason, your Loss of Boat Use Coverage provides you with a loaner watercraft to ensure you can still get out on the water.

All Risks Coverage

All Risks factors in nearly any threat you could possibly face aboard your watercraft, from fire and hailstorms to vandalism and explosion. You can rest assured that you are financially sound in the event of damage or loss incurred as a result of dangers in your area.

Contact The Standard for a Boat Insurance Quote

Whether you’re an avid fisher or a novice sailor, watercraft insurance keeps you on the open water without fear of financial devastation. Call 1-844-969-8199 to speak to one of our advisors.

Boat Insurance FAQs

Working with so many Canadian clients for boat insurance, The Standard Insurance often receives questions about what these policies cover, whether they are mandatory in Canada, and more. Here are some of the most frequently asked questions we receive:

The Standard Insurance FAQs

Am I legally obligated to have Sea-Doo insurance or jet ski insurance?

Is it worthwhile to insure all year if I only boat occasionally?

Do I need proof of insurance when I boat for it to count?

What if something happens to my boat while I am trailering or docking?

At The Standard Insurance, we pride ourselves for our long-lasting commitment to act as an advocate for every single one of our clients. Our success is measured by their experience and satisfaction:

I had a wonderful experience with Nicolle, I had some issues with my Insurance policy and Nicolle straightened them up immediately. THANKS AGAIN NICOLLE !


“Callie stepped up and provided a very professional service and responded to all our questions in a timely manner. We highly recommend Standard Insurance Brokers.”

Jim & Nicole D

“The agent, Celeste, was very prompt with her responses. She was able to source a favorable and economical premium compared to what I had. Very good service so far.

Oral & Pauline D

“The ladies that work here are great! So sweet and kind! Thank you for the A+ customer service”

Shelly J
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