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Boat Insurance South: Single

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BATEAU SUD

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Boat insurance broker in Quebec, Bahamas, Caribbean, Orso the navigator

Southern Boat Insurance – Protect your boat, even in the sun

Sail south with confidence! Whether your boat is wintered under palm trees or at sea in warm waters, our insurance adapts to your destination.

  • Full coverage for Florida, the Caribbean and more
  • Protection against theft, shipwreck, collision and storms
  • Third party liability for international navigation
  • Personalized insurance according to your use (yachting, cruise, transportation)
  • Support from brokers who are experts in navigation in the South

Your dashboard to get a South boat quote

Items to compareNavigation in QuebecSailing in the South (Florida, Caribbean, Bahamas)
Navigation area coveredRiver/lakes in Quebec, sometimes Canada/USA depending on the policeSpecific areas (Florida, Bahamas, islands), often strict geographic boundaries
Civil liabilityOften $1–2 million recommendedOften higher depending on marinas/locations; Possible requirements depending on country/port
Damage to the boatCollision, grounding, fire, vandalismSame basis, but beware of exclusions related to international waters
Theft & vandalismMore common at dock/trailerRisk varies according to marinas; safety conditions sometimes required
Storms / Hurricanes“Standard” storm coverage (depending on policy)May require hurricane plan, exclusions or special deductibles
Marine assistance / towingLocal Options (Towing)Very important: towing, assistance at sea, higher rescue costs
Wintering / off-season periodOften stored in winter (to be specified)Year-round sailing; Important storage conditions and attachment location
Transportation/TowingTrailer in Quebec, local launchLong-distance transport, storage USA/Caribbean: to be declared
Equipment & accessoriesElectronics, engine, trailer (as per amendment)Equipment values are often higher; Recommended declarations (GPS, radar, tender)
Frequent exclusionsCommercial use, groceries, alcohol, neglected maintenanceAreas not covered, hurricane season, night/offshore navigation (depending on policy)
Useful documents for submissionType, year, value, engine, mooring location+ Itinerary, ports/marinas, duration in the South, hurricane map, countries visited

The sun is shining… and you are well insured!

What is meant by “the South” in boat insurance?

Usually Florida, the Bahamas and the Caribbean (sometimes a specific latitude area). Your policy includes a navigation territory : it must explicitly include the areas where you sail (coastal cabotage, crossings, offshore sailing).

What protections do I need for the South?
  • Hull & machinery (Hull) – agreed value preferred.
  • RC/P&I (Protection & Indemnity) – damage to others, pollution, wreck removal.
  • Rescue & assistance – including towing (Sea Tow/TowBoatUS).
  • Equipment & personal belongings – electronics, dinghy/dinghy, outboard motor, fishing.
  • Wreck removal costs and pollution.
  • Options : driver/crew, private charter, liveaboard, race/regatta (if allowed).
Hurricanes and named storms: Am I covered?

Yes, if your policy includes a hurricane/Named Storm clause. A written hurricane plan (shelter, straps, removal of sails) and a hurricane-rated marina will often be required. “Named storm” deductible and possible special obligations.

Is there a need for an examination/survey to ensure in the South?

Yes, it is mandatory for boat insurance for navigation in the South, a recent survey (3–5 years) and the maintenance list reassure the insurer and improve the conditions.

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