Small Boat Insurance

A Harbour Insurance Small Boat Express Policy will provide comprehensive and affordable marine and sailboat insurance for various small boats.


Our Small Boat Express Policy starts from $375 plus PST.


Small Boats We Cover:

Boats must be under 30Ft in length and not capable of speeds in excess of 60 MPH:

  • Bowrider/Runabout
  • Cuddy Cruiser
  • Ski/wake boat
  • Pontoon
  • Fishing boat
  • Fiberglass Jet boat
  • Fiberglass, Aluminum & Fabric Hull

Boats That Do Not Qualify for Small Boat Insurance:

  • High performance/racing sailing dinghies
  • Personal watercraft
  • Canoes/kayaks
  • Jet drives
  • Wooden vessels
  • Classic or antique boats 
  • Powerboats or Sailboats over 30' (for larger vessels, visit our Large Boats page)

Our Express Policy does not apply to larger boats. 


Small Boat Express Policy Coverage:

Our small boat insurance policy is designed with smaller, lower valued vessels in mind.

    • $2 Million Personal Liability & Indemnity Liability
    • $1 Million Waterskiing Liability 
    • $1 Million Uninsured/Underinsured Boater Protection
    • Agreed Value Coverage for Vessels 9 Years Old or Newer/Actual Cash Value settlement in the event of a total loss on vessels over 10 years old
    • $2,000 Personal Effects Coverage
    • $1,000 Reimbursement of Emergency Expenses (Emergency Towing)
    • Deductible is Waived in a No-Fault Accident 

    Get additional coverage for Personal Effects & Emergency Expenses with our optional enhancement endorsement for an additional $25 premium. 

    Find Out If You Qualify:

    You must meet the following criteria to qualify for our Small Boat policy (Express):

    • You must be 20 years of age or older
    • You must possess a valid driver’s license and a Pleasure Craft Operator Card (PCOC)
    • $50,000 maximum value for boat, motor, trailer and equipment.
    • Vessel length is up to 30′ for Powerboats with a maximum speed of 60MPH.
    • Vessel length is up to 30′ for Sailboats.
    • Construction of vessel is Fiberglass, aluminum or fabric (rigid hull inflatable boats).
    • Pleasure use only with no incidental business use, chartering or commercial use permitted
    • Payment must be made in full by Credit Card  (Mastercard, AMEX, VISA, VISA debit)

    Personal Watercraft Coverage:

    Personal watercrafts (PWCs) are popular for recreational purposes as well as non-recreational applications like water rescue situations and law enforcement. Some are designed to be operated by a single person either sitting or standing, while others can carry as many as 4 passengers. The increasing popularity of PWCs has lead to an increasing number of recorded injuries which underscores the need to have the proper insurance. Some common brands of PWCs that we insure are Jet Ski, Sea-Doo, Kawasaki and Yamaha.

    • Up to $1 Million limit of Protection & Indemnity (Liability) Coverage.
    • Agreed Value Coverage with no theft exclusions.
    • Coverage for Water Sports on PWCs with seating for 3 or more persons.
    • Emergency Expense ($1,000) – We offer towing and assistance in the event of a mechanical failure or if you run out of fuel.
    • Personal Effects Coverage ($2,000) – Protect your personal contents on board.
    • Discounts for PWCs with a built-in anti-theft device and when insuring multiple vessels.

    Request a Insurance Quote Today! 

    Get a boat insurance quote today by completing our online application and save on your small boat insurance.

    You'll hear back from a Harbour Insurance broker within 24 hours (during regular business hours) with your personalized policy or call us today.

    If you don't meet the requirements for small boat insurance, complete our large boat application.




    To Obtain an Insurance Policy:

    Request a small boat insurance quote online and a Harbour Insurance Agent will contact you within one business day. We will need a some additional information from you, including the Hull Identification Number (HIN) of your boat and the engine manufacturer and your prefered payment method. After your payment has been processed, we will send you a payment receipt and policy. That’s it! 

    Helpful Information:

    Harbour Insurance specializes in boat insurance Ready-to-Go™.  We insure sailboats, large yachts, family runabouts, pontoon boats, personal watercraft, classic and antique boats, to cruising and southern navigation routes. Get the best insurance coverage for your boat and lifestyle with Harbour.

    Get in touch

    • Harbour Insurance Services
      1255 Commissioners Rd #240,
      West London,
      ON, N6K 3N5

      Business hours:
      Mon - Fri: 9:00am - 5:00pm EST

    • 1 (877) 731-1224 or 1-705-528-1276