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Society of Accredite Marine Surveyors



American Boat & Yacht Council



Essential boating courses



BoatUS®


Marine insurance providers in Ontario

Some of the providers of boat insurance listed below will insure classic wooden boats, liveaboards and those heading south to warmer waters. It is rare to find a company that will cover everything you want to do. We have had to change providers over the years when we wanted to live aboard, go to the Bahamas or Cuba. Some years ago marine insurance was pretty consistent as to costs. More recently the prices are all over the map and it's getting tough to compare apples. Once again education is the key. Most provide discounts for CPS training and various navigation electronics so don't forget to ask. There are lots of brokers out there who will write policies on boats but don't know much or anything about them. I strongly suggest you deal with a boating broker and things will run much smoother if you are ever unfortunate enough to need that policy.

There are two basic types of marine policy. "Agreed Value" and "Actual Value". I'm no insurance expert but you had better understand the difference in these two policy types as they are significant with the "Actual Value" policy usually being cheaper (with reason). Ask your broker. Also make sure you are comparing apples. If one policy is a few hundred dollars less than another you can bet your next engine overheat that there is a very good reason. This topic warrants considerable research unless you have money to burn.

There is one exception to my above advice. TowBoatUS® towing insurance. If you are cruising south through the US you will run aground and it is costly without TowBoatUS® .... don't leave home without it.
Boat Insurance 101,
This company is US based but provides a pretty good overview of marine insurance and what you should be looking f
or. Not too many differences on our side of the border.

Admiralty Law,
information about marine insurance from a Canadian legal firm specializing in Admiralty law.
Really interesting stuff.
Bayside Insurance Brokers Ltd.
1-800-463-0754
www.baysideinsurance.com
www.cowangroup.ca
Ted Macaulay, Cowan Insurance Group
705 Fountain Street North, Cambridge, ON N1R 5T2
Tel: (866) 912-6926 or (519) 650-6363 | Ext. 41352 | Fax: (519) 650-6259

Crosslands Insurance Brokers of London Ltd.
1-800-461-2591

Dracup Insurance Brokers Ltd.
905-222-2447

Harbour Marine Insurance Services Ltd.
905-713-6485
www.harbourinsurance.ca


MD Marine Insurance
www.marine3.ca

Marine Expert
1-866-671-3030
www.elco.ca/en/index.html

McMichael Davis Marine Insurance Ltd.
905-847-1616
www.mcmichael-davis.ca

North Star Marine Insurance
1-866-7179295
www.northstarinsurance.ca

Ogilvy & Ogilvy
1-877-364-6589
www.ogilvy.ca

Pacific Marine
866-619-1605
www.pacificmarine.ca


Robertson & Robertson
1-800-661-7211
www.skippersplan.com