Owning a pleasure boat offers the freedom to sail at your own pace. However, to navigate without worries, appropriate protection is essential. Unlike home insurance, which sometimes offers limited coverage for watercraft, specialized insurance guarantees comprehensive protection in case of theft, accident, or damage to others.
The experts at J. Gérard Fortin & Associates collaborate with top specialized insurers in Quebec to provide tailored boat insurance, regardless of the type of vessel you own. Whether you have a sailboat, fishing boat, personal watercraft, or yacht, it’s crucial to insure with an insurer who understands the realities of the maritime world. Enjoy your boat with confidence, knowing you have coverage designed to protect you effectively at a competitive rate.
Pleasure boat insurance is designed to meet the specific needs of each type of vessel. The requirements differ between a fishing boat and a sailboat, highlighting the importance of selecting the appropriate coverage. The brokers at J. Gérard Fortin & Associates assist you in identifying the protections truly beneficial for your situation.
Key aspects typically covered by a good specialized insurance policy include:
Civil liability
Damage to the vessel
Protection against theft and vandalism
Assistance and towing
Replacement cost or agreed value
In the event of an accident involving your vessel, it’s crucial to act swiftly and efficiently. If the incident results in significant injuries or damage, immediately contact emergency services by dialing 911.
As soon as possible, reach out to the experts at J. Gérard Fortin & Associates to report the claim. We will guide you through the necessary steps, promptly forward your claim to the insurer, and ensure your case is handled with speed, diligence, and fairness.
We support you at every stage and represent your interests throughout negotiations with the insurer. This is the advantage of working with J. Gérard Fortin & Associates: a team dedicated to your peace of mind.
Most policies cover the boating season, typically from April to October. Some insurers also offer protection outside this period for damages during storage.
This depends on the age, value, and type of vessel. For yachts or high-value vessels, a professional inspection may be required by the insurer.
Certain boat insurance policies include coverage for navigation in other provinces or the United States. It’s important to verify this with your broker to avoid unexpected situations.