find a broker

Find a Broker

FR

LoginMy Account
Western Financial Group Western Financial Group
  • Personal

    Home Insurance

    Home Insurance

    Condo Insurance

    Renter's Insurance

    Seasonal Property Insurance

    Mobile Home Insurance

    Vehicle Insurance

     

    Car Insurance

    Motorcycle Insurance

    RV Insurance

    Boat Insurance

    ATV Insurance

    Snowmobile Insurance

    Vehicle Replacement Insurance

    Health & Life Insurance

    Life Insurance

    Disability Insurance

    Critical Illness Insurance

    Mortgage Life Insurance

    Financial Insurance

     

    TFSA

    GICs

    RESPs

    RRSPs

    Travel Insurance

     
  • Business

    Commercial Insurance

     

    Business Insurance

    Business Life Insurance

    General Liability Insurance

    Commercial Property Insurance

    D&O Liability Insurance

    Rental Property Insurance

    Legal Protection Insurance

    Errors & Omissions Insurance

    Cyber Liability Insurance

    TotalProtect Insurance

    Fleet Insurance

    Farm Insurance

    Product Liability Insurance

    Employee Benefits

    Employee Benefits

    TotalGuard Insurance

    Group Insurance 

     

    All Insurance Programs

    ABLE Cannabis Insurance Program

    AMM Municipal Insurance Program

    CRA Insurance Program

    CVMA Insurance Program

    Crop Inputs Insurance Program

    Haven Municipal Insurance Program

    Hospitality Insurance Program

    Juno Restaurant Insurance

    BCRFA Restaurant Insurance

    Groupex Insurance Partnership

    CAM Movers Insurance

    Musical Instrument Insurance

    Independent Retail Insurance

    CAMA Insurance Program

    Biz Benefits Partnership

     

    Event Liability Insurance

     

    Charity Events or Fundraising Insurance

    Conferences and Conventions Insurance

    Corporate Events and Seminars Insurance

    Farmers’ Market Insurance

    Festival Insurance

    Hole-in-one Contest or Golf Tournaments Insurance

    Product Launches and Promotional Events Insurance

    Sporting Event Insurance

    Wedding Insurance

    Industries

    Cannabis

    Construction

    Contractors

    Daycares

    Greenhouses

    Hotels and Motels

    Manufacturing

    Municipalities

    Professional Services

    Property Management

    Retail

    Restaurants, Cafes, Delis, Fast Food

    Skilled Trades

    Technology

    Welders

  • Services

    MyWestern

    Payment Setup

    Registry Services

    Community Emergency Resources

    Personal Insurance Claims

    Commercial Insurance Claims

    Risk Management

  • About Us

    About Western

    Who We Are

    Executive Team

    Divisions

    Partners

    Western Coast Insurance

    Wyatt Dowling Insurance

    Sustainability

    Diversity, Equity and Inclusion

    Western News

    Blogs

    Careers

    Contact

    Communities Foundation

    Our Giving Programs

    About the Foundation

    Annual Giving Reports

    Annual National Walk

    Community Infrastructure Grants

    Foundation FAQs

    Sponsorship

    Western Communities Foundation

    Your donation will help improve local communities.

    Donate

1-866-860-1958

Get a Quote

Get a Quote

Main Menu

  • Personal
    • Home Insurance

      • Home Insurance

      • Condo Insurance

        Renter's Insurance

        Seasonal Property Insurance

        Mobile Home Insurance

    • Vehicle Insurance

       
      • Car Insurance

      • Motorcycle Insurance

        RV Insurance

        Boat Insurance

        ATV Insurance

        Snowmobile Insurance

        Vehicle Replacement Insurance

    • Health & Life Insurance

      • Life Insurance

        Disability Insurance

        Critical Illness Insurance

        Mortgage Life Insurance

    • Financial Insurance

       
      • TFSA

        GICs

        RESPs

        RRSPs

    • Travel Insurance

       
  • Business
    • Commercial Insurance

       
      • Business Insurance

      • Business Life Insurance

        General Liability Insurance

        Commercial Property Insurance

        D&O Liability Insurance

        Rental Property Insurance

        Legal Protection Insurance

        Errors & Omissions Insurance

        Cyber Liability Insurance

        TotalProtect Insurance

        Fleet Insurance

        Farm Insurance

        Product Liability Insurance

    • Employee Benefits

      • Employee Benefits

        TotalGuard Insurance

    • Group Insurance 

       
      • All Insurance Programs

        ABLE Cannabis Insurance Program

        AMM Municipal Insurance Program

        CRA Insurance Program

        CVMA Insurance Program

        Crop Inputs Insurance Program

        Haven Municipal Insurance Program

        Hospitality Insurance Program

        Juno Restaurant Insurance

        BCRFA Restaurant Insurance

        Groupex Insurance Partnership

        CAM Movers Insurance

        Musical Instrument Insurance

        Independent Retail Insurance

        CAMA Insurance Program

        Biz Benefits Partnership

         
    • Event Liability Insurance

       
      • Charity Events or Fundraising Insurance

        Conferences and Conventions Insurance

        Corporate Events and Seminars Insurance

        Farmers’ Market Insurance

        Festival Insurance

        Hole-in-one Contest or Golf Tournaments Insurance

        Product Launches and Promotional Events Insurance

        Sporting Event Insurance

        Wedding Insurance

    • Industries

      • Cannabis

        Construction

        Contractors

        Daycares

        Greenhouses

        Hotels and Motels

        Manufacturing

        Municipalities

        Professional Services

        Property Management

        Retail

        Restaurants, Cafes, Delis, Fast Food

        Skilled Trades

        Technology

        Welders

  • Services
    • MyWestern

      Payment Setup

      Registry Services

      Community Emergency Resources

      Personal Insurance Claims

      Commercial Insurance Claims

      Risk Management

  • About Us
    • About Western

      • Who We Are

        Executive Team

        Divisions

        Partners

        Western Coast Insurance

        Wyatt Dowling Insurance

        Sustainability

        Diversity, Equity and Inclusion

        Western News

        Blogs

        Careers

        Contact

    • Communities Foundation

      • Our Giving Programs

        About the Foundation

        Annual Giving Reports

        Annual National Walk

        Community Infrastructure Grants

        Foundation FAQs

        Sponsorship

LoginMy Account

FR

1-866-860-1958

Get a Quote

Find a Broker

Is There Electric Boating in Ontario?

Electric Boat Insurance Ontario

Ontario has seen an increase in electric boat sales and charging infrastructure is being developed. Many marinas are equipped with standard electrical outlets for shore power, which can be used to charge electric boats.

Before you take your zero-emission boat out on Ontario’s waterways, don’t forget about boat insurance.

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

What you need to know about electric boats in Ontario:

Do I need a special license for an electric boat in Ontario?

In Ontario, you need a Pleasure Craft Operator Card (PCOC), which is also known as a boating license or other proof of competency to operate an electric boat, no matter its size. All Canadian boaters must have a PCOC card. It is illegal to operate a powered boat in Ontario without a boating license.

A PCOC is valid for life.

What is an electric boat?

No gas or diesel fuel is needed. An electric boat is powered by batteries (or battery) that store electrical energy, which is used to power the boat’s electric motor and propeller.

How many batteries does an electric boat need?

That depends on the type of electric boat, its size, and its power needs. Small electric boats might only need one battery, but large electric boats may need multiple batteries and energy storage capacity.

What boats can be electric?

  • Tender boats (dinghies)
  • Pontoon boats
  • Rigid inflatable boats (RIBs)
  • Electric outboards
  • Electric fishing boats
  • Electric passenger ferries
  • Electric sailboats
  • Electric canal boats

Do electric batteries add to the weight of my boat?

The weight of marine batteries varies, from under 20 pounds (9 kilograms) for lithium to over 100 pounds (45 kilograms) for large lead acid batteries.

Traditional lead-acid batteries add significant weight to your boat, which can impact on your boat’s overall performance and handling. An AGM (Absorbed Glass Mat) battery is a type of lead-acid battery designed for boats that’s spill-proof, vibration-resistant, and high performing.

Lightweight lithium-ion batteries add less weight to your boat. They’re used in smaller fishing boats, yachts, and electric outboards.

When do I need to change my boat’s battery?

You’ll need to have your electric boat’s battery changed every three to five years, but this can vary depending on the type of battery your boat uses, your boat maintenance, and your boat’s usage.

If your electric’s boat battery is older than five years, it’s likely time to replace it.

Where do I charge my electric boat in Ontario?

In Ontario, you can charge your electric boat using standard shore power (120V or 240V) at marinas or by using public charging stations, including fast chargers.

Voltari Marine Electric partnered with the City of Kingston to install Canada's first EV boat supercharging station at the city's Confederation Basin Marina.

BCI Marine and Aqua superPower are also working to expand the network of electric boat charging stations in Ontario.

Do electric boats blow up?

The risk of your electric boat blowing up is lower than a gasoline-driven boat because it doesn’t have a flammable fuel system.

What happens if my electric boat sinks?

An electric boat can sink just like any other boat. The risk of electrocution is considered low if your electric boat is built to safety standards. Experts say the electric battery's design, along with safety features, make it unlikely that you would be exposed to electrocution if your electric boat sinks.

Do you prefer a shark attack or electrocution?

Your electric boat has sunk in the ocean. Batteries that are submerged in sea water pose little danger of electrocution. What if a shark is near your submerged electric boat? It’s said that more people die from taking selfies than are killed by sharks, but you never know. It’s not a pleasant risk to face.

Can I get electrocuted on my electric boat?

Electrocution is a risk on any boat, including electric boats. Electric boats have built-in safety features and are designed to minimize the risk of electrocution, but it’s important to make sure they are properly maintained.

The pros and cons of electric boating in Ontario

Pros

  • Zero emissions, no gasoline residue in the water
  • No fuel spills
  • Reduced noise
  • Eco-friendly, reducing environmental impact on the water and shoreline
  • Lower long-term operating costs
  • Smooth acceleration, instant torque

Cons

  • Still generally less powerful than gasoline boats
  • Electric charging infrastructure may not be as widespread as refueling stations for gasoline-powered watercraft
  • High initial cost
  • Long charging time
  • Limited range
  • Battery problems
  • Electrical failures

Ontario boat insurance for electric boats

The value of your electric boat can affect your Ontario boat insurance premium. Insurance policies for e-boats may differ from those for traditional boats. Electric boats may need specialized boat insurance coverage. Ask your Western Financial Group Ontario boat insurance expert.

Boat insurance is not mandatory in Canada, but your financial lender may ask that your boat be insured as a condition of financing. If you are docking at a marina or use a private boathouse in Ontario, you may be required to carry a specific amount of liability insurance and show proof of boat insurance. Many Ontario marinas require $3 million in liability insurance.

Boat insurance protects you, your loved ones, and your investment in your electric boat.

GET A QUOTE

Recent Blog Posts

Electric Boat FAQ
Should I Buy an Electric Boat?

May 20, 2025


Basic Boating Safety
What's Basic Boating Safety?

May 14, 2025


Common Home Insurance Claims Canada
What are Canada's Top Home Insurance Claims?

May 13, 2025


Western Financial Group

2025 Western Financial Group. All rights reserved.

Privacy / Legal | Accessibility Guidelines | Fair Treatment of Customers Policy | Terms of Use | Compensation Disclosure | Complaints Process | Media Relations | Mergers & Acquisition | Careers | Sitemap

 

Western Financial Group acknowledges that its Head Office is situated on the sacred gathering ground of the buffalo and the healing place of the Medicine Tree. We honor the Blackfoot Nations, including the Siksika, Piikani, and Kainai, as well as the Tsuut’ina and Stoney Nakoda First Nations, the Métis Nation (Region 3), and all who make their homes in the Treaty 7 region of Southern Alberta. As a company with team members and operations across Canada, we also recognize and honour the diverse Indigenous Peoples from coast to coast — including First Nations, Inuit, and Métis — who have stewarded these lands since time immemorial, and we reaffirm our commitment to working together as a community, laying the foundation for reconciliation through education and mutual respect.