Northstar Marine Insurance is proud to offer a product that is designed for Ontario boaters. We provide our clients with an unmatched, comprehensive Ontario small boat insurance coverage that will protect your small boat of any size or value.
Our all-risk comprehensive marine insurance policy covers the watercraft in the water, on a trailer, or in storage. The protection provides coverage for accidents, including: fire, theft, vandalism, collision, lightning, storm damage, and vermin damage. As an added bonus, you receive emergency towing, loss of use coverage, voluntary medical payments and accidental death coverage; with a liability limit up to $2,000,000, which includes accidental pollution liability and watersports liability.
Our marine insurance coverage is offered on an agreed value, or actual cash value form. We will walk you through all the options that are available to make sure you understand what you are purchasing. Not all small boat insurance Ontario policies are the same; the more you understand about the differences in coverage options, the better you will be protected.
Your small boat is often at the center of your family’s summertime activities, from bowriders, deckboats, sterndrives, and outboard engines. These coverages are important for the average small boat owner. Here are a few things to think about when you’re shopping for boat insurance:
- Watersports liability
Did you know that not all marine insurance policies automatically include watersports liability, relying on you to request it? A Northstar policy makes it easy; watersports liability is included automatically and the limit is the same as your general liability limit. No surprises.
There is nothing raccoons love more than cozy upholstery, and your boat is full of it. There are marine policies out there that exclude vermin damage. At Northstar, we know that your average raccoon can cause a lot of damage, and we have you covered by automatically including vermin coverage.
- Medical Payments / Accidental Death
Boating is fun and relaxing, but sometimes it doesn’t go as planned. While we don’t like to think about it, a Northstar policy includes medical payments and accidental death coverage for you and your family.*
- Loss of Use
There is nothing worse than having friends up to the cottage for the weekend, only to find out your boat is laid up because you’ve had a claim. A Northstar policy includes loss of use coverage for cases like these! While your boat is being repaired as a result of a claim, we will cover the cost of a rental boat.*
- Agreed Value Coverage
You’ve made a significant investment and need to be properly protected. An Agreed Value Policy ensures that, should something happen to the boat, the insurance company will give you the insured value without any depreciation.
- Emergency Towing
Should you have a mechanical breakdown on the water and call in for a tow, the cost can catch you off-guard. A marine policy that includes emergency towing at no additional cost does two things: first, it saves you purchasing on-water assistance separately, and secondly, it ensures you are not left footing the bill for a costly tow. Send us your tow receipt and we’ll pay it with no claim on your record, and no deductible. We just want you safely off the water.*
Northstar Marine Insurance is Ontario’s leading marine insurance specialists, and can always answer all of your questions and concerns, and thoroughly explain coverage options and details of your policy. We do not charge issuing fees; we have flexible payment options which include monthly payment, internet banking, and credit card payment options.
Contact Northstar Marine Insurance specialists today for a free quote, and receive more information about small boat insurance for Ontario. Call us at 1.866.717.9295 or through our online quote form.