Be protected on the water with Marine Insurance from Doner-Horsley

Providing the Alliston Community Marine Coverage for Over
100 Years

Owning a boat is all about freedom, adventure, and relaxation—but it also comes with risks. Whether you're cruising on the lake, fishing, or enjoying a weekend getaway, having the right marine insurance ensures you can enjoy the water with confidence.

At Doner-Horsley Insurance Brokers, we provide tailored coverage to protect your fishing boat, personal watercraft, sailboat, or motorboat from unexpected events like accidents, theft, or weather damage.

Our expert team works with top insurers to find you the best protection at competitive rates. Set sail knowing you're covered—because peace of mind is the best companion on the water.

Covers collision and weather damage

Theft and accident coverage

Liability protection

Marine Insurance can cover:

Third-Party Liability

This covers legal fees, medical expenses, and property damage claims if you are found responsible for injuring someone or damaging their property with your watercraft.

Physical Damage

This covers the repair or replacement of your personal watercraft if it’s damaged or destroyed due to covered perils such as collisions, storms, or theft.

Wreck Removal

In the event of a covered loss, this coverage helps pay for the cost of removing your sunken or damaged watercraft from the water.

Emergency Services & Towing

This coverage assists with the cost of towing your disabled watercraft to the nearest repair facility and covers emergency services such as fuel delivery or jump-starts.

Personal Property

This optional coverage protects your personal belongings on the watercraft, including fishing equipment, clothing, and other personal items.

Uninsured Watercrafts

If you are involved in an accident with an uninsured or underinsured boater, this coverage helps pay for your medical expenses and property damage.

Frequently Asked Questions

  • Yes, it is mandatory to have a Pleasure Craft Operator Card (PCOC), also called a boat licence, to operate a power-driven boat. Learn more about getting a boating licence in Ontario by visiting Destination Ontario.

  • You are not legally obligated to purchase boat insurance if you operate a recreational watercraft. However, if you get into an accident and don’t have insurance, you will be responsible for any associated costs. With marine insurance, your insurer will help pay to repair or replace your damaged boat.