Navigating Risk: An Operator’s Guide to Commercial Marine Liability in Ontario
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.
