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Why Boater's Protection Plus 

There are many Yacht insurance providers. We however have the experience of owning / operating  boats from Jet boats, Cruisers to 152 MPH offshore types. Our coverage is designed with the pleasure boater in mind, including those who enjoy the camaraderie of Poker runs. 

What Does Boater’s Protection Plus offer ?

If you love the freedom of being on the water, before cruising the lake be sure your boat and your loved ones  have the right protection with Boater’s Protection Plus insurance program. We have been providing practical insurance solutions for boat and personal watercraft since our incepetion. Our Boater’s Protection Plus  features include:
  • All Risk Cover
  • Current Market Agreed Value
  • Caribbean and Worldwide Navigation
  • Extended Seasonal Navigation
  • $2000000 limit on protection and indemnity
  • Discounts given for CPS and safety equipment to a maximum of 20%
  • Uninsured / underinsured cover
  • Medical Expense up to $5000
  • Wreck removal / Accidental pollution
  • Very high hull & machinery limits
  • Competitive Rating
  • Craft that travel over 55 mph/high performance
  • Full theft cover
  • Personal effects
  • Classic / Antiques vessels
  • Loss of use Target: Vessels under 20 year of age both power and sail 
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Why Boat Insurance ?

A lot of our clients inquire about boat insurance. Typical questions include; is boat insurance necessary? If so, how do I go about insuring my boat? As well, what boat value should I insure? And by the way, isn’t my boat covered under my homeowner insurance?  All good questions! Now, let’s try to answer these. There are a number of boat insurance packages in the market. The best ones include “all risk” coverage, which will provide coverage for all types of losses except those specifically excluded in the policy.
Some of these exclusions include wear and tear, gradual deterioration, marring, denting, scratching, animal damage, and manufacturing defects, defects in design, and ice and freezing. Under an all risk policy, if you can’t find the exclusion, it’s typically covered.   
Now, how do I determine the value of my boat so that I insure it properly?  You should always insure your boat for the amount it would cost you to replace it with a similar boat or a boat of ‘like kind and quality’. This is called "Agreed Value" or "Stated Value" coverage which is different from ‘Actual Cash Value’. One will pay the full insured amount whereas the latter will take depreciation into account. 
I own a house and I insure it.  Why isn’t the boat covered under the house insurance?  Your home policy can cover your boat but there are limitations.  For example, if your motor exceeds a certain horse power or the boat exceeds a certain length or the value of the boat and motor exceed a certain value, coverage may not apply.  Take our advice, you really are better off setting up a separate boat policy through ensurco.ca.
A boat policy will not only cover the boat and motor but much more.  For example, some policies will also cover:      
  •  Medical payments - $5,000 limit, no deductible
  •  Personal effects- $1,000 limit with a $100 deductible
  •  Uninsured boater liability, no deductible
  •  Accidental death benefit - $10,000 limit, no deductible 
  •  Additional claims expense (loss of use) - $1,500 limit, no deductible
  • Personal Liability $1,000,000 to $2,000,000 limitAt Ensurco our goal is to provide you with advice, coverage and service. We shop 30+ insurance companies to ensure that you are getting the best coverage at an affordable rate. We'll secure on your behalf a comprehensive boat policy that will serve you well in the event of a theft, collision, fire and much more...  Our commitment to you as an Ensurco client is that we will review your renewal regularly to make sure that your coverage always meets your growing needs! 
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  • What our clients say

    After talking to many different insurance companies, I spoke to Ensurco New Business Team. They returned my call quickly, provided the best rate and helped me set up a home insurance policy within an hour. Great service!

    Rasoul K.
  • What our clients say

    I recently sent Ensurco an email requesting changes to my auto policy. I got a quick response. All the changes were completed in a timely manner and I received a detailed email with my billing schedule attached.

    Edward L.
  • What our clients say

    Amazing staff to deal with. Very fast and efficient. My broker explained the difference between condo insurance and condo corporation insurance.  Thank you!

    Maria L.
  • What our clients say

    I was in a time crunch to get an auto application done on a Friday afternoon as I was picking up a new car. I called my customer service rep at Ensurco and she was able to get me a quote, provide an application and even send confirmation to my dealer with a liability slip. Keep up the good work.

    Michelle B.
  • What our clients say

    As a high risk driver, I was looking for a good rate as well as good coverage. I spoke to an Ensurco broker who helped me set up a 6 month policy so that I can eventually move to a regular market at less premium. You guys came through when no one else cared.  Thank you so much for your help. :)

    Kelly S.
  • What our clients say

    When my son and I decided to travel to Calgary for a week, I called my broker at Ensurco who was able to provide me with great coverage at a really good price. I got my travel documents by email within 10 minutes. Exceptional timing!

    Mark C.
  • What our clients say

    Claims service! Most people dread talking to an insurance company or broker to report a claim. But I recently called my insurance broker at Ensurco about a possible water damage claim. He was able to guide me through the process.  The decision was mine as to whether or not I would proceed with the claim.  If so, he explained that he could connect me directly with the insurance company adjuster and resolve the issue. Great advice and great service.  Thanks Ensurco!

    Don S.