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

What Causes Boating Accidents?

What causes boating accidents?

Ahoy! You there, on your boat. Do you know how to avoid “Mayday” situations? Do you know the top causes of boating accidents?

As fun as boating is, it can also be dangerous and life-threatening if you do not prioritize safety. Let’s take a look at the top 5 reasons for boating accidents.

Top 5 causes of boating accidents

1. Boating inexperience and lack of training

Many boat accidents happen because boat operators don’t have the proper boating skills or knowledge or a boating license.

In Canada, boat owners need to get a Pleasure Craft Operator Card (PCOC) to operate a motorized pleasure craft. It’s a requirement for all motorized boats, no matter their size or engine power. The PCOC is obtained by completing an approved boating safety course and passing a test. The PCOC course, which is also called a boating license, doesn’t typically include boat driving instruction.

Firsthand boat driving training is highly recommended, especially for new boaters or those seeking to improve their skills. In Canada, you can find hands-on boat driving training through boat clubs and specialized training programs.

Note that your PCOC must be kept on your boat at all times. It’s like the equivalent of your driver’s license.

Did you know? Mayday is used to signal a life-threatening emergency usually by aviators and mariners. The distress call "mayday" originates from the French phrase "m'aider," which means "help me". Ahoy originated among sailors where it was used to catch the attention of crew members and as a general greeting.

2. Alcohol use

About 40% of fatal boating accidents in Canada involve alcohol, which impairs your judgment, motor skills, and reaction. Fatigue, sun, wind, and the motion of the boat all combine to intensify the effects of alcohol on your ability to drive your boat.

Do not drink or take drugs and drive your boat.

In Canada, boat passengers may drink alcohol if the boat has permanent cooking, sleeping and toilet facilities. The boat must also not be in motion and must be moored to the dock, anchored, or beached.

It is an offence under the Criminal Code of Canada to operate a boat if you’re impaired by drugs or alcohol.

3. Speed/dangerous manoeuvres

Just like a car, a speeding boat and a boat making dangerous manoeuvres can lead to a collision,

Speeding boats are a factor in many boating accidents in Canada and often result in collisions and fatalities.

How many boating deaths per year in Canada?

In Canada, there are an average of approximately 111 to 166 recreational boating deaths per year.

4. Falling overboard/ capsizing

Falling overboard or your boat capsizing are common causes of boat fatalities. They are often linked to erratic boat movements, standing in unsafe areas, or not maintaining proper balance. Bad weather conditions, leaks, waves, and sudden turns can cause a boat to capsize.

5. Failing to take into account bad weather

Bad weather, including high winds and rough water, is a frequent contributing factor to recreational boating fatalities in Canada. It’s important to always check the local weather forecast and be aware of any warnings or alerts before you go out on the water.

Note that cold water can kill. It can cause shock, which can lead to drowning.

Cold water also causes hypothermia, a dangerous drop in body temperature that can kill.

What else can be fatal when boating?

Not wearing a lifejacket or personal floatation device (PFD) when on a boat can be fatal. A lifejacket can save you from drowning.

In Canada, a significant number of boating-related deaths are caused by not wearing a lifejacket, about 80% to 90% of boating fatalities are linked to this.

To sum it all up

Don’t become a boat accident statistic. Enjoy your time on the water but be aware that accidents can happen. The safety of you, your passengers, and other boaters always comes first. Sail with safety!

FAQs

What’s the first thing you do after a boat accident?

The first thing you do after a boating accident is to check if everyone is safe. Check passengers for injuries, provide first aid if needed, and call for emergency help immediately if anyone is hurt or missing.

What’s the top reason that people fall out of boats?

Alcohol use is a leading factor in why people fall out of a boat.

When do most boating accidents happen?

Most boat accidents happen in the summer or on holidays and they often have nothing to do with bad weather. They are usually caused by distracted and reckless boat operation, alcohol or drug consumption, equipment failure, or operator inexperience.

What’s the most common cause of a boat sinking?

Usually, it’s when a boat runs aground or collides with an object, damaging its hull (front of the boat). Bad weather or mechanical failure can also cause a boat to sink.

What do you do when someone falls overboard?

Keep the person in sight and throw them a flotation device or lifejacket. Slow down or stop the boat and approach the person, ideally from downwind or against the current. Use a boathook to get them back on the boat.

Why Western?

We’re 100% Canadian!

Get the best boat insurance

Get a boat insurance quote in minutes.

Save money on your boat insurance

Covering all your water adventures.

Where care and convenience come first.

GET A QUOTE

Recent Blog Posts

Western Pride Parade 2025
Unity in Diversity: Stand Proud, Stand Together

June 2, 2025


What causes boating accidents?
What Causes Boating Accidents?

June 2, 2025


Life Insurance Options
What's the Most Popular Type of Life Insurance?

June 2, 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.