Skip to content

Navigate with Confidence

Your personal marine insurance solution

Get a Quote

Navigate with Confidence

Your personal marine insurance solution

Get a Quote

Customized Marine Insurance

Welcome to the serene waters and rugged coasts of the Maritime Provinces, where the sea is not just part of the landscape but a way of life.

We understand that your boat is more than just a boat; it’s a symbol of freedom, adventure, and tranquility. That’s why we’re dedicated to providing comprehensive Personal Marine Insurance tailored specifically for the unique needs of Maritime sailors and boaters.

The Importance of Marine Insurance

Marine insurance is essential as it provides financial protection against the unique risks associated with maritime activities. Whether it’s personal boating or leisure yachting, the sea presents unpredictable hazards like storms, collisions, and piracy.

In addition to providing liability insurance, marine insurance can cover a range of additional risks associated with boating, such as theft, vandalism, and even environmental damage, ensuring that boat owners are protected from various unforeseen events. With the right marine insurance policy, sailors can enjoy their time on the water with calm and ease, knowing they are protected against the vast array of risks that come with navigating the open sea.

Safety and Preventative Measures

Safety and preventative measures are important for a safe trip on the water. However, ensuring the safety of your boat, yacht or personal watercraft and all passengers is not just about compliance; it’s about creating a culture of safety that permeates every aspect of your adventures. By adopting stringent safety practices and preventative measures, you not only safeguard lives and property but you also contribute to the possibility of reducing your insurance premiums.

Why Choose Caldwell for Your Marine Insurance?

  • Local Expertise, Tailored Solutions: As specialists in the Maritimes, we understand the local waters, weather, and unique challenges you face. Our policies are crafted to provide the protection you need, whether you’re sailing the Bay of Fundy, cruising the Northumberland Strait, or exploring the coastal inlets of Nova Scotia, New Brunswick, and Prince Edward Island.
  • Comprehensive Coverage: From yachts and sailboats to fishing boats and personal watercraft, our policies cover a range of boats. Enjoy peace of mind with protection against theft, damage, liability, and environmental threats.
  • Personalized Service: Our dedicated team of marine insurance experts is here to guide you every step of the way. We’ll work with you to understand your specific needs and ensure that your policy fits your lifestyle and budget.

Ready to Set Sail with Confidence?

Don’t let uncertainties dampen your maritime adventures. With Caldwell, you’re choosing a partner who stands by you, navigating through calm and stormy seas alike. Our personalized marine insurance solutions mean that you can focus on what truly matters: the joy of the sea.

Contact us today to tailor your personal marine insurance policy and embark on your next adventure with ease. We’re not just insuring your boat; we’re ensuring your freedom to explore the Maritimes safely and confidently. Let’s chart your protected journey together.

What Does Personal Marine Insurance Cover?

Physical Damage

Protect your boat on water and land against accidental damage, fire, theft, and vandalism.

Liability Coverage

Safeguard yourself against legal liability for bodily injury or property damage to others. 

Environmental and Salvage Charges

Stay protected against cleanup costs and salvage operations following a marine accident.

Personal Effects

Ensure the safety of your personal items onboard, from electronics to fishing gear.

Emergency Assistance

Get coverage for towing, labor, and emergency services, ensuring help is always at hand.

What are Additional Marine Insurance Options?

Hull and Machinery

Protection against physical damage to your boat, from collision, fire, storm, or theft.

Accidental Pollution

Protection in the event of accidental discharge or spillage from your boat.

Underinsured/Uninsured Coverage

Protects you if you are involved in an accident with another boater who has no insurance or insufficient insurance.

Personal Marine Insurance FAQs

Personal marine insurance typically covers damage to your boat due to accidents, weather events, and collisions. It also provides liability coverage for bodily injuries or property damage caused by your boat. Additional options can include coverage for personal belongings, emergency towing, and environmental damage.

While personal marine insurance is not legally mandatory in the Maritime Provinces, it is highly recommended. Marinas and certain water bodies may require proof of liability insurance before allowing access or docking privileges.

Insurance rates for personal marine insurance are calculated based on factors such as the type and size of the boat, its age and value, intended use (e.g., leisure, fishing), storage location, and the owner’s boating experience and claims history. Safety features and additional qualifications may influence the final premium.

Yes, many personal marine insurance policies offer the option to include coverage for marine equipment such as navigational devices, fishing gear, and safety equipment, and personal items brought on board. Be sure to discuss this coverage with one of our brokers so you can have a tailored policy to meet your specific needs.

Get a Quote Now!

Explore comprehensive Personal Marine Insurance options tailored for water enthusiasts.

Get a Quote