Navigating Passenger Safety and Legal Compliance
If you carry passengers for a fee in Ontario, Transport Canada regulations strictly mandate specialized liability insurance. A standard business policy will not suffice for waterborne passenger transport.
Mandatory and Recommended Coverage
Protection & Indemnity (P&I):
The maritime version of liability, covering passenger injury, crew medicals, and collision damage to other vessels.
Passenger Liability
Per Transport Canada, you must maintain at least $250,000 in liability insurance per passenger capacity.
Professional Indemnity for Guides
Protection against claims of negligence or "failure to perform" during guided fishing or nature tours.
CONNECT WITH ONE OF OUR COMMERCIAL MARINE BROKERS TODAY.
Frequently Asked Questions
Yes, for any commercial vessel carrying passengers, Transport Canada requires proof of insurance.
We offer policies with “lay-up” provisions that reduce your premiums during the winter months when your boat is stored on land.