Watercraft Insurance That Keeps You Covered on the Water
From fishing boats to high-performance watercraft, we help protect your investment and your time on the water.
Watercraft Coverage
Watercraft insurance is designed to protect your boat and related equipment from a range of risks. Coverage can include:
- Damage to your watercraft from collision or accidents
- Theft or vandalism
- Fire and weather-related damage
- Coverage for attached equipment and accessories
We help ensure your watercraft is properly valued and covered based on its type, usage, and overall value.
Liability Coverage
Liability coverage is an important part of any watercraft policy. It protects you if you are found legally responsible for injury to others or damage to their property while operating your boat. This can include:
- Injury to passengers or other individuals
- Damage to other boats or docks
- Legal defence costs related to a claim
We help ensure your liability limits are appropriate based on how and where you use your watercraft.
Types of Watercraft We Cover
We provide coverage for a wide range of watercraft, including:
- Fishing boats
- Pleasure craft and runabouts
- Pontoon boats
- Personal watercraft (Jet Skis, Sea-Doos)
- Sailboats
- Larger or high-value recreational vessels
Whether you’re using your boat occasionally or throughout the season, we help ensure it’s properly insured.
Seasonal Use & Storage Considerations
Many watercraft in Western Canada are used seasonally and stored during the off-season. This creates additional considerations, including:
- Storage location and security
- Winterization and off-season risks
- Transportation to and from water
- Periods of limited or no use
We help ensure your coverage reflects how your watercraft is used throughout the year — not just when it’s on the water.
Coverage Options & Considerations
Choosing the right watercraft insurance depends on several factors, including:
- Type and value of your watercraft
- How and where it is used
- Frequency of use
- Storage and transportation
- Liability exposure
We work with you to tailor a policy that balances protection, cost, and your specific needs.
Why Choose Coughlin Insurance?
We make watercraft insurance easy to understand, so you can enjoy your time on the water with confidence.
Access to multiple insurance markets
Clear, straightforward advice
Flexible coverage options
Experience insuring a range of recreational assets
Support when you need it, including claims assistance
Frequently Asked Questions
Do I need insurance for my boat?
While not always legally required, it is strongly recommended to protect both your investment and liability exposure.
Does watercraft insurance cover theft?
Yes — most policies can include coverage for theft, depending on how the policy is structured.
Is my boat covered while in storage?
Yes — coverage can include off-season storage, but it’s important to ensure it’s set up correctly.
Do I need liability coverage for a small boat?
Yes — liability exposure exists regardless of boat size, especially when other people are involved.
Let’s make sure your watercraft is properly protected — on and off the water.
