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

    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

        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's Basic Boating Safety?

Basic Boating Safety

The best boating is always done safely. Basic boating safety means having the required boating equipment, including lifejackets, and following boating regulations.

You protect yourself, your passengers, and other boaters when you make safety your top priority.

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

Basic boat safety

Lifejackets

Canada averages 111 recreational boating deaths each year. Not using a personal flotation device (PFD) or lifejacket is a leading cause of death among recreational boaters, accounting for 89% of all fatalities.

A lifejacket needs to fit the person who’s wearing it. A life jacket that is too big can slip off or ride up, potentially obscuring your face and causing you to drown. A life jacket that is too small will not provide adequate buoyancy and could fail to keep you afloat.

A child’s lifejacket needs to fit properly because a snug fit helps make sure the lifejacket won't slip off, especially if the child is struggling in the water.

In Canada, every watercraft must have a lifejacket for each person on board, it must be readily accessible, and in good condition. It is not mandatory, though, to wear them while on a boat.

For Ontario boaters: Joshua's Law, also known as Lifejackets for Life, went into effect in Ontario in April 2024. This law requires children 12 years of age and younger to wear a lifejacket or PFD while on a pleasure boat that is underway or while being towed behind a pleasure boat using recreational water equipment.

Do not speed

The faster your boat travels, the greater the distance required for it to stop.

Following boating speed limits help keep boaters, swimmers, water sports practitioners, and marine life safe. Speed limits can vary depending on the location and type of waterway.

Within 30 metres (100 feet) of shorelines, the speed limit is typically 10 km/h unless posted. This rule helps protect swimmers, small watercraft, and the shoreline environment.

Boating equipment

What if you have a boating emergency? Is your boat’s safety equipment up to date?

Make sure to inspect and replace if necessary:

  • Expired flares and fire extinguishers
  • Life jackets that are damaged or don’t fit passengers
  • First-aid kits that are outdated or missing items
  • Sound signaling devices (like air horns or whistles)

Transport Canada requires specific safety equipment based on the size and type of boat.

Don’t boat under the influence

Under the Criminal Code of Canada, consuming or having open alcohol containers on private boats is illegal, unless specific conditions are met.

Boat passengers may legally consume alcohol within accepted limits only if the boat:

  • Has permanent cooking facilities
  • Has a permanent sleeping area
  • Has a permanent toilet (a portable toilet does not count)
  • Is moored to the dock, at anchor or beached, and is not motion

Under the Criminal Code of Canada, it is an offence to operate a boat if you are impaired by alcohol or drugs (including cannabis).

How are boating regulations enforced in Canada?

In Canada, boating regulations are enforced by the Royal Canadian Mounted Police (RCMP), provincial and municipal police forces, and other local authorities.

They have the power to inspect boats, monitor activities, and issue fines for violations of boating laws and safety regulations.

Stay safe with basic boating skills

Basic safety measures

  • Passenger falls overboard: Reduce speed and toss the overboard passenger a lifejacket or PFD.
  • Potential collision: Slow down and yield the right-of-way to other vessel.
  • File a float plan with a marina or trusted family member as a way for authorities to locate you if needed.
  • Master the basics: Know how to steer your boat, how to launch and dock your boat, throw an anchor, and put your boat on its trailer.
  • Know basic nautical terms for safety and communication with other boaters.
  • Learn how to tie basic knots, such as a bowline, square knot, and figure-eight knot, to know how to tie your boat up at a dock or to secure equipment.
  • Have some basic first-aid skills.
  • Be aware of the weather and head to shore if the weather is turning for the worse.

Do you have boat insurance?

If your boat is financed, your lender may require boat insurance. Many marinas require boat insurance with $3 million in liability coverage.

Boat insurance protects you and your loved ones, even though it is not mandatory in Canada. It protects your boat and its motor, boating equipment, and boating accessories like lifejackets, GPS, depth sounders, and many other items. Can you afford not to have boat insurance?

Do you have your PCOC?

In Canada, you need a valid Pleasure Craft Operator Card (PCOC). The PCOC is also known as a Canadian boating license.

Operating a motorized boat without the required proof of competency (PCOC) can result in a fine, with a minimum of $250. You can get the card by taking a boating safety course in-person or online and passing the test at the end of the course.

It is mandatory for anyone operating a motorized recreational vessel in Canada, regardless of age, boat size, or engine horsepower, except in Nunavut and the Northwest Territories.

In conclusion

Boating safety shouldn’t be taken for granted. As fun as it is to be out on the water, accidents can happen and the water can be deadly. When you’re making the right decisions to stay safe on the water, you are protecting not only yourself but other boaters.

GET A QUOTE

Recent Blog Posts

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


Mark Missal Farm Insurance
Western's Farm Insurance Has Roots in Our Communities

May 8, 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