Boat Insurance
Safeguard your watercraft and yourself!
Protect the Moments That Matter on the Water
Owning a boat is about more than just getting out on the water—it’s about the joy of summer days, the laughter of family and friends, and the unforgettable memories made with every ride. Whether you’re fishing at dawn, cruising at sunset, or tubing with the kids, your boat is a source of fun, freedom, and connection. Boat insurance helps protect that experience, ensuring that unexpected events like damage, liability, or theft don’t take away from the good times. With the right coverage, you can focus on what matters most—making the most of every moment on the water.
Coverage examples
Boat insurance comes in various types to accommodate different types of watercraft and the needs of boat owners.
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Agreed Value Coverage
Covers you for injury or sickness requiring an emergency hospital stay or emergency medical treatment while traveling outside of Manitoba.
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Liability Coverage
Covers bodily injury and property damage that you may cause to others while operating your boat. It’s crucial for protecting your assets in case of a lawsuit.
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Medical Payments Coverage
Helps pay for medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.
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Personal Property Coverage
Provides coverage for personal belongings on the boat, such as clothing, equipment, and other possessions.
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Towing & Assistance Coverage
Offers reimbursement for emergency services like towing, fuel delivery, and assistance if your boat breaks down on the water.
Is Your Watercraft Covered?
We tailor your coverage to fit your unique needs, and make sure you fully understand all your options before investing.
Common questions
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Are there discounts available for boat insurance in Manitoba?
Some insurers may offer discounts for factors like completing a boating safety course, having a clean claims history, bundling boat insurance with other policies, or installing safety features on the boat. It’s advisable to inquire about available discounts.
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How is the value of the boat determined for insurance purposes?
The value of the boat for insurance purposes can be determined through methods such as agreed value (an agreed-upon amount between the insured and the insurer) or actual cash value (current market value accounting for depreciation). The chosen method is often specified in the insurance policy.
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What types of boats can be insured in Manitoba?
Boat insurance in Manitoba typically covers a wide range of watercraft, including motorboats, sailboats, personal watercraft (such as jet skis), and other recreational vessels. The specific types of boats eligible for coverage may vary among insurance providers.
Does this sound familiar?
With all the information out there, it can be hard to know where to start when it comes to insurance coverage. We are here to answer those questions and get you the coverage you need.
You don’t know if you have enough coverage
Our goal is to fully understand your insurance needs, which means discovering potential vulnerabilities to ensure you have the adequate coverage needed, offering you peace of mind that you and your watercraft are fully protected.
You find yourself asking more questions than your broker does
We don’t offer out-of-the-box solutions and pricing that can be generated from a few standardized questions. We build relationships with our clients and do deep dives into their unique insurance needs, and offer customized solutions.
You don’t actually understand what your policy all covers
We go through all policies in depth with our clients to ensure they fully understand what coverage they are paying for and how it will impact them financially. The strong relationships we build with our clients means we are always available and happy to answer any questions they have on their policies and coverage.
Need to make a claim?
In the event of a claim, contact your insurance provider as soon as possible. Document the damage with photos, videos, and detailed descriptions, and keep records of expenses related to repairs.
Value Added Services
We go beyond insurance by offering value-added services that truly support the way our clients run their businesses. From proactive risk management advice to industry-specific insights and strategic planning support, we strive to bring a level of understanding and partnership that’s hard to find elsewhere. Our goal is simple: to be so valuable, informed, and invested in your success that you can’t imagine operating your business without us by your side.
We are here to help
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Claims
Need to make a claim? Let us help you through the process.
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Questions
Have questions about your policy? Get in touch with us to review your coverage options.
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Immediate help
Our team is available 24/7 for emergency claim services.
(204) 746-2320