Boat insurance

Boats are Us

Nothing quite beats a day out on the water, whether you are just swimming, floating, fishing or enjoying some thrilling watersports.  For as much fun as boats can be, they can also be damaged by rocks, logs or other boats.  This can cut down the already short summer, so let us help you get back to boating as soon as possible.

What Does Boat Insurance Include?

What is Mandatory:

Liability: Pays for injury, death and damages you may be responsible for as the result of a boating accident.  It also pays for defense costs associated with the accident.  

Uninsured Boats: What happens if someone without insurance hits my boat?  This coverage extends your policy to make sure you are insured against accidents even if the other driver does not have insurance.  

What is Optional?

Boat, Motor & Trailer - For many companies this is a mandatory coverage, however some allow for liability only.  

Emergency Towing - Pays for the cost to tow the boat to the nearest marina in case of an emergency.

Loss Of Use - Allows you to rent a boat while your boat is being repaired due to an insured accident.  There is usually a limit on this coverage.

Watersport Liability - You should have this coverage if you will be doing ANY watersports with the boat.

Emergency Medical Payments - Reimburses medical payments if an emergency happens while operating the boat.  There is typically a dollar limit associated with this coverage.

Fire Department Charges - Reimburses you if you have a boat fire and the fire department sends you a bill for their services.

Personal Effects - If your personal property is damaged to the result of an insured boating accident.

Let one of our experienced brokers guide you through boat insurance and give you the peace of mind to drive with confidence.  We balance the needs of every individual and understand everyone has different priorities.  Call today to let us help you 905-623-4406.      

Contact Us

26 King St East Bowmanville ON, L1C 1N2


T: 905-623-4406

T: 1-800-836-7236

F: 905-623-5570

Our Hours

Monday: 9 am - 5 pm

Tuesday: 9 am - 5 pm

Wednesday: 9 am - 5 pm

Thursday: 9 am - 5 pm

Friday: 9 am - 4 pm

Saturday: Closed

Sunday: Closed

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About Us

James Insurance is a local insurance broker serving Bowmanville and the surrounding areas since 1893.  


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