Ontario is home to about 250,000 lakes. Having a boat is a great way to explore the waterways in this beautiful province. Middlesex Mutual Insurance has a leisure boating program that offers the coverage you need to protect your watercraft, when used for private recreational purposes.

We have agents that have their own pleasure boats and would love the chance to talk to you about a hobby you both take pleasure in. Give them a call today and find out which watercraft insurance is right for you.

We offer insurance on the following watercraft:

Smaller pleasure boats

  • Smaller pleasure boats valued under $50,000  and up to 8 metres (26 feet) in length
  • Sailboats up to 26 feet
  • Personal watercraft up to 4 metres (13 feet) with a maximum speed of 80 km/h (50mph)

Boats with sleeping berth, galley and a head

  • Vessels valued up to $150,000
  • Sailboats up to 40 feet
  • Power boats up to 50 feet with maximum 300hp motors

Our leisure boating insurance offers coverage for your:

Insured Perils

Our leisure boating program offers the best coverage (all risk with some exclusions).

Property covered

Your watercraft and attached equipment, motor, trailer and accessories.


Protection for legal liability if you injure someone or damage their property.

Please note:

For illustration purposes only. Actual policy wordings govern. The above is meant as general information to help you understand the different types of coverages. All coverages are subject to the terms, limits, provisions, exclusions, and conditions in the policy itself. Coverage availability is subject to underwriting eligibility and guidelines. We encourage you to speak to your agent or broker and to read your policy contract fully to understand your coverages.