Day: August 7, 2026

The limitations of standard business insurance for marine operations For marine operators in Muskoka, Georgian Bay, and Lake Simcoe, the water is where business happens. But a commonly-held misconception is that a standard Commercial General Liability (CGL) policy provides all the necessary coverage these businesses might need. In reality, standard commercial policies explicitly exclude most marine-based exposures. That can leave important gaps in protection, especially for businesses that rely on boats, docks, equipment, or other marine operations. Commercial marine insurance is designed for those risks.