Specialty Solutions

Marine Insurance

Boats docked in a marina.
Boats docked in a marina.

Life on the water comes with unique risks. Whether you’re cruising the open ocean, touring lakes or rivers, or are onshore, we can help protect you, your watercraft, or your marine-based business.

As one of the largest insurers of marine risks in Canada, we offer a complete range of insurance solutions – from bow-to-stern protection for commercial vessels and pleasure crafts to coverage for docs and piers, marine equipment, and the transit of cargo, passengers, and workers.

Our Areas of Expertise

We offer coast-to-coast insurance coverage designed to fit your commercial or recreational marine insurance needs.

Boat Dealers

If you’re a boat dealer, this coverage can help protect your new and used stock – whether it’s commercial or pleasure craft vessels, engines, marine supplies, or other equipment.

Cargo

Protects your ocean and air shipments, including extended storage and warehousing during transit and inland transportation, as well as lost revenue in the event of a cargo loss.

Hull & Machinery

Protects against physical damage to the hull, machinery, and equipment installed on a commercial or recreational vessel, whether it’s used for transport, research, cargo, or pleasure.
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Marine Liability

We offer a range of specialized liability coverages for marine-based businesses such as terminal operators, ship repairers, charterers, marina operators, and more.
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Piers & Docks

Ideal for coastal or inland marina operators, boat dealers, and tour operators. This covers damage to piers, and wharf and dock structures, including foundations and approaches.
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Pleasure Craft

Protect your recreational watercraft with coverage for personal effects, bodily injury, and third-party property damage, as well as hull, propulsion, navigation, and communication equipment.
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Protection & Indemnity

Covers the vessel owner and operators against liability for bodily injury or death, as well as damage to third-party property and wreck removal.
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Vessel Builders

Provides protection for shipyards and boatyards from the start of a vessel build or retrofit through to final delivery, as well as coverage for construction materials and sea trials.
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What kind of liability insurance coverage do you need?

Running a marine-based business comes with unique risks, which means you need specialized liability insurance protection. That’s why we’ve crafted a range of solutions to address the particular challenges you may face in your day-to-day work.

What can you expect from your policy?

Our underwriting team understands marine risks, so we can adapt and expand our offerings as our customers’ needs grow
We hope you never experience a loss, but if you do, you can count on our dedicated Claims team to help get you back to business. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.
You can enjoy the perks of your policy well before you experience a loss – our Risk Services team works hard to help keep your operations running safely, smoothly, and consistently with detailed bulletins, workplace risk assessments, and on-site training for things like disaster recovery and more.

Managing Risk

Unparalleled industry expertise, professional guidance, and innovative approaches to managing risk help our Northbridge Risk Services experts stay one step ahead of the crowd. Each year, our team conducts over 5,000 risk assessments and service calls for businesses across Canada. Our onsite assessments are complemented by a selection of in-depth training programs and educational tools to help companies excel in their industries.

Our Risk Services team offers technical publications to help you gain a better understanding of the potential exposures in your industry, and they can provide personal guidance to help fine-tune your daily operations. Find out more about what our experts can do for your business here.

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