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Personal Watercraft Insurance

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Personal Watercraft Insurance 

As Canada’s watercraft insurance experts, we offer you a tailored personal watercraft insurance policy to protect your recreational fun.

Personal Watercraft Insurance in Canada

Whether you ride a Sea-Doo or go on jet skis, you deserve the ultimate protection to keep enjoying your ride. Ask a Rhodes & Williams broker for a customized quote today. 

Do You Need Personal Watercraft Insurance? 

No, personal watercraft insurance (PWC) is not required in Canada but highly recommended to cover yourself from legal fees and pricey repairs. Similar to boat insurance, PWC insurance is essential protection against hazards in and out of the water. 

What is Covered Under Personal Watercraft Insurance? 

Our insurers provide PWC insurance to a myriad of people across Canada with no policy being the same. The basic personal watercraft insurance protection includes several options for standard insurance and an extra cushion if needed. 

Coverage for Personal Watercraft Insurance

Property Damage/Bodily Injury
This type of coverage protects you if you have an accident on the water. Expenses commonly include your watercraft (Wave Runner, jet ski, etc.), motor, equipment, and personal items held by you and your guests due to an insured loss (theft, fire, vandalism).

Watercraft Liability

  • Third-Party Liability
    This mandatory coverage helps pay for legal fees and other costs if you are involved in an accident. We recommend a minimum of $2 million in liability insurance and possibly higher limits, to ensure you are properly insured after an insured loss.
  • Medical Expenses
    Hospital stays, ambulance rides and more add up fast. After an accident, the last thing you want to think about is how you are going to pay your medical bills. This coverage type ensures you are covered up to certain limits stated in your PWC insurance policy.

Additional Personal Watercraft Insurance

Emergency Services (towing) 
Owning a Sea-Doo or a Kawasaki Jet Ski is an investment into your fun. But when an accident happens, you want to be covered without a hefty repair bill. Emergency towing is an extra insurance perk you may want to consider.  

Agreed Compensation 
Before you jump into your Wave Runner or other watercraft, you may want to consider agreed compensation coverage. This optional coverage in Canada is payment to the policyholder for the insured value of the watercraft without depreciation due to an insured loss. Check with a Rhodes & Williams broker on limits.  

Other add-on PWC insurance extras include Loss of Use, Ingestion Coverage, and more. Contact a Rhodes & Williams watercraft broker today for a quick, free quote. 

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We offer competitive insurance rates and remarkable personal watercraft insurance options for our clients. Get a free, online quote at your convenience.  

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Why Choose Rhodes & Williams? 

  In Business for almost 90 years.

As an independently owned brokerage, we take care of our clients at every stage of the insurance journey, from the initial connection to the completion of each customer’s request, on time.

  Hands-on Insurance Services.

We have a team of committed brokers, which allows us to be the go-to insurance brokerage in major cities in Canada. We provide impeccable service so you can go on with your life with your insurance needs taken care of.

   Trusted by Many.

Whether you need home, car, business, or recreational insurance in Canada – we have your back. See our Testimonials for proof of exceptional service. 


Depending on what type of watercraft you have, the year and model, and what you use it for, the average cost of PWC insurance in Canada is between $300 and $700 a year. Typically, liability insurance on your PWC will be at the upper end of this dollar range. Always ask your insurer, or one of our expert PWC brokers, for advice on how you can reduce your premium.

In Canada, personal watercraft insurance is not required by law but is highly recommended for anyone that operates and owns a PWC. While no one likes to think about getting into an accident on the water, being prepared if something does happen can bring you peace of mind out on the water.

We recommend you have a minimum of $2 million in third-party liability for your personal watercraft with consideration for even a higher limit. In many cases, the minimum required liability amount is not sufficient to cover costs after an accident.

Bundling your watercraft insurance with your home or renters’ insurance is a good bet for lower premiums. Also, if you raise your deductible amount, it will be pricier after an insured loss but less costly in the long run if you never submit a claim.  


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We offer competitive rates and impeccable service.

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