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        TotalProtect Insurance

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Does My B.C. Boat Need Liability Insurance?

How Does Liability Insurance Protect My BC Boat

Many British Columbia marinas require proof of liability insurance to dock your boat and use their facilities. Your lending institution will typically require boat liability insurance if your boat is financed.

Marine liability insurance helps financially protect you against potential damages at a marina, or damages to other boats and injuries to passengers in case of an accident.

Western Financial Group, a 100% Canadian company, can help you navigate your boat, car, home, and business insurance during this period of economic uncertainty.

Why is liability insurance important for my B.C. boat?

Liability insurance for your B.C. boat helps protect you financially if you injure someone, cause the death of someone, or cause damage to another person’s boat or property while you’re operating your boat. It also covers your passengers.

It’s recommended that you have $3 million or more in marine liability insurance coverage as part of your marine insurance policy to protect yourself as a British Columbia boat owner.

Boat liability insurance helps pay for medical expenses, legal fees, and damages if you are found responsible for a boat accident.

Is liability insurance part of my B.C. boat insurance?

Yes, liability insurance is part of your boat insurance in British Columbia. This type of boat insurance coverage protects you in case of bodily injury or property damage.

Boat accidents can result in hefty legal and financial consequences. Boat liability coverage protects you, your boat, and your passengers.

It’s important to review and read the details of your B.C. boat liability coverage to make sure you are financially protected and it meets the requirements of any marinas or locations where you plan to boat.

Does it protect my passengers?

Yes, marine liability insurance typically protects your passengers if they get injured while on your boat by covering medical costs and other expenses.

Remember to review your B.C. boat insurance policy for any specific exclusions related to water sports activities. You may need to purchase additional coverage for high-risk activities.

How much does boat liability insurance cost?

The cost of B.C. boat liability insurance can vary based on your boat's value, size, age, type, and where it will be stored over the winter. Larger or more expensive boats typically pay more for insurance. Any past boat insurance claims will also affect the cost of your insurance.

Is B.C. boat insurance mandatory?

Boat insurance is not mandatory in Canada, but your financial lender may ask that your B.C. boat be insured as a condition of financing your boat. If you are mooring at a B.C. marina, you may be required to carry a specific amount of liability insurance. Boat insurance protects you, your loved ones, and your investment in your boat.

Why do marinas require boat liability insurance?

Marinas in British Columbia can require boat liability insurance to protect themselves and other marina users from financial losses due to accidents or damages caused by boats, including collisions, property damage, or injuries.

Did you know? B.C. marine insurance helps protect your clothes and personal effects, sports and fishing equipment as well as your passengers’ personal items against damage and theft while you’re on your boat.

Your B.C. boat policy coverage with Western Financial Group is an all-risk policy subject to certain exclusions. Check with Western’s boat insurance experts about what your boat insurance policy includes and excludes.

Why Western?

Western covers your boating adventures with best price.

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Where care and convenience come first.

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That smooth sailing feeling, knowing you’re covered

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