{"id":19962,"date":"2023-02-16T15:33:35","date_gmt":"2023-02-16T20:33:35","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/boat-insurance-broker\/"},"modified":"2026-06-26T00:46:54","modified_gmt":"2026-06-26T04:46:54","slug":"boat-insurance-broker","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/marine\/boat-insurance-broker\/","title":{"rendered":"Boat Insurance Broker: Everywhere in Quebec"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/maritime\/courtier-assurance-bateau\/#article\",\"headline\":\"Boat insurance broker in Quebec: why, how much, how to choose (2026)\",\"url\":\"https:\/\/www.assur360.ca\/blog\/maritime\/courtier-assurance-bateau\/\",\"datePublished\":\"2023-02-16T15:33:35\",\"dateModified\":\"2026-04-19T12:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault is a property and casualty insurance broker with over 30 years of experience in Quebec and owner of Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Property and casualty insurance brokerage license\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"about\":{\"@type\":\"Thing\",\"name\":\"Boat insurance broker in Quebec\"},\"mentions\":[{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"},{\"@type\":\"Organization\",\"name\":\"Chamber of Insurance\",\"url\":\"https:\/\/www.chad.ca\"}],\"description\":\"Complete guide 2026: why go through a boat insurance broker in Quebec, how they are compensated, how much a policy costs based on the type of vessel, and how to choose your marine broker.\"}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Marine\",\"item\":\"https:\/\/www.assur360.ca\/blog\/maritime\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Boat insurance broker\",\"item\":\"https:\/\/www.assur360.ca\/blog\/maritime\/courtier-assurance-bateau\/\"}]}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 30px;border-radius:12px;margin-bottom:40px;text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin-bottom:10px;font-weight:600;\">Marine Insurance Guide 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:34px;line-height:1.2;margin:0 0 18px 0;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Boat-insurance-broker-in-Quebec-savings-expertise-support\"><\/span>Boat insurance broker in Quebec: savings, expertise, support<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#b0c4d8;font-size:18px;max-width:780px;margin:0 auto 14px auto;line-height:1.6;\">Compare 8 marine insurers in a single claim, save an average of <strong style=\"color:#ffffff;\">$280\/year<\/strong>, and benefit from comprehensive support in the event of a claim. AMF licence, service in French. <\/p>\n  <p style=\"color:#64748b;font-size:14px;margin:0 0 28px 0;\">Free quote in 48 hours \u00b7 No obligation<\/p>\n  <div style=\"display:flex;gap:15px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 40px;border-radius:30px;text-decoration:none;font-weight:700;font-size:17px;\">Free<\/a>\n boat quote<a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:16px 32px;border-radius:30px;text-decoration:none;font-weight:600;font-size:16px;border:2px solid rgba(255,255,255,0.3);\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:30px;font-weight:800;margin-bottom:4px;\">8+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers compared in one application<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:30px;font-weight:800;margin-bottom:4px;\">$280<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Average annual savings<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:30px;font-weight:800;margin-bottom:4px;\">$0<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Fees for the customer (commission included)<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:30px;font-weight:800;margin-bottom:4px;\">30 years<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Assur360 Marine Experience<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you shopping for <a href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/\">boat insurance in Quebec<\/a> and hesitating between buying online, going through a direct agent, or doing business with an <strong>independent marine insurance broker<\/strong>? The choice is not insignificant: a broker saves you an average of <strong>$280\/year<\/strong> on a comparable policy, gets you more specific coverage for your type of boat, and remains your main ally in the event of a claim. This guide explains exactly what a ship broker does for you, how they get paid (with no hidden fees), and how to choose the right partner for your <strong>pontoon, sailboat, personal watercraft, fishing boat, or yacht<\/strong>.<\/p>\n\n<div style=\"max-width:1200px;margin:40px auto;padding:0;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;align-items:center;\">\n    <figure style=\"margin:0;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2023\/02\/Soumission-courtier-assurance-bateau.png\" style=\"width:100%;height:auto;border-radius:16px;\" alt=\"Captain on a sailboat at sea \u2014 boat insurance broker Quebec\"\/><\/figure>\n    <div>\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n      <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Why-a-Ship-Broker-Changes-Everything\"><\/span>Why a Ship Broker Changes Everything<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 12px;\">A <strong>boat insurance broker<\/strong> in Quebec is a professional certified by the <strong>Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong> who acts for you, not for a single insurer. He shops 8+ markets in parallel (Intact, Aviva, Promutuel, La Capitale, April Marine, Pantaenius, etc.), negotiates the necessary endorsements for your boat, and accompanies you throughout the duration of the policy \u2014 including claims management.<\/p>\n      <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Key difference:<\/strong> a direct agent (Belairdirect, TD, BMO) sells a single brand. A broker compares. On a 30-foot sailboat, the difference between the highest and lowest premium is often <strong>40 to 60%<\/strong> with identical protection.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1-Broker-vs-Direct-Agent-The-Difference-in-30-Seconds\"><\/span>1. Broker vs. Direct Agent: The Difference in 30 Seconds<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px;text-align:left;border:1px solid #0d1f2d;\">Criterion<\/th>\n<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Independent<\/th>\n Broker<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Direct agent (single company)<\/th>                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Number of insurers compared<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">8 to 12<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">1<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Independence from the insurer<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">Yes<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">No<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Fees charged to the customer<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$0 (commission)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$0<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Personalized Call Center Claims Support<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\"><\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#f59e0b;font-weight:700;\"><\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Advice on specialized endorsements<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">In-depth<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#f59e0b;font-weight:700;\">Limited to catalog<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Optimized annual renewal<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">Revisited marketplace<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">Automatic renewal<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">International Coverage (South)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">Specialty Markets<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">Often Unavailable<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2-The-6-concrete-services-of-a-ship-broker\"><\/span>2. The 6 concrete services of a ship broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83d\udd0d Needs analysis<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Type of boat, replacement cost, navigation area, experience, storage, accessories: each factor changes the premium from 5 to 25%.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83d\udcca Multi-insurer shopping<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Parallel bids with Intact, Aviva, Promutuel, April Marine, Pantaenius, Travelers, etc. \u2014 comparison with equivalent protection. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83d\udcd1 Negotiating amendments<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Towing, Agreed Value, Fishing Equipment, Outboard, Trailer, Southern Navigation, P&#038;I \u2014 Custom, Not Fixed.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83c\udd98 Claims management<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">First call, coordination with claims adjusters, follow-up of the claim, negotiation of the final settlement if disagreement.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\ud83d\udd04 Revision at renewal<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">The market is re-shopped every year. If another insurer is more advantageous, the broker offers the transfer free of charge. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;font-weight:700;margin:0 0 10px;\">\u2696 Regulatory advice<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Quebec and federal maritime laws, Transport Canada requirements, international obligations.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-How-is-a-boat-insurance-broker-paid\"><\/span>3. How is a boat insurance broker paid?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, the ship broker is <strong>compensated by commission<\/strong> paid by the insurer, generally between <strong>10% and 17.5%<\/strong> of the annual premium. This commission is <em>already included<\/em> in the list price \u2014 you don&#8217;t pay anything more by going through a broker than by buying directly. On the contrary, the broker often gets a better rate thanks to the volume of policies they place each year.  <\/p>\n\n<p class=\"wp-block-paragraph\">Some brokers charge a <strong>broker<\/strong> fee of $25 to $100 for complex policies (yacht, international program, commercial vessels). At Assur360, these fees are <strong>absent for the majority of standard pleasure boats<\/strong> . Ask for transparency from the first contact \u2014 an honest broker will give you the details.  <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:32px;margin:32px 0;border:2px solid #10c4c7;\">\n  <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">BROKER ADVICE<\/p>\n  <p style=\"color:#ffffff;font-size:17px;line-height:1.7;margin:0;\">Always ask for a <strong>written comparative rating<\/strong> that includes at least 3 insurers. Check line by line: agreed value vs. depreciated value, deductible, liability limit, zone exclusions (rivers, lakes, sea), trailer coverage, outboard, and P&#038;I. The lowest price <em>is never<\/em> the best indicator \u2014 it&#8217;s how <strong>consistent the protections are with<\/strong> your actual usage.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4-How-much-does-boat-insurance-cost-in-Quebec-by-type\"><\/span>4. How much does boat insurance cost in Quebec by type<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Here is an indicative table of the average annual premiums observed in 2025-2026 on the Quebec market. The amounts vary according to the value, age, navigation area, storage and profile of the owner: <\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px;text-align:left;border:1px solid #0d1f2d;\">Type of boat<\/th>\n<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Typical Value<\/th><th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Average annual premium<\/th>                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Personal Watercraft (Sea-Doo, Jet-Ski)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$10,000-25,000<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$300-600<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Fishing Vessel \/ Rowboat (\u2264 18&#8242;)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$8,000-30,000<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$300-700<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Bowrider Outboard (18-22 ft)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$25,000-60,000<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$500-$1,100<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Family pontoon (20-26 ft)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$35,000-90,000<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$700-$1,500<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Sailboat \/ Sloop (24-35 ft)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$40,000-150,000<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$600-1,800<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">Cruise Ship (28-38 ft)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$75,000-200,000<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,200-$2,800<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">Yacht \/ Blue Water Cruising (> 38&#8242;)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$200,000+<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,800-7,500+<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\">These ranges exclude <strong>international sailings<\/strong> (Florida, Bahamas, Caribbean), which can double or triple the premium \u2014 see our specific <a href=\"https:\/\/www.assur360.ca\/en\/blog\/marine\/yacht-insurance-for-the-caribbean\/\">guide on yacht insurance for the Caribbean<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-The-8-essential-protections-of-a-good-boat-policy\"><\/span>5. The 8 essential protections of a good boat policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Hull &amp; Machinery<\/strong> : physical damage to the boat, engine, rigging, sails. Favour the <em>agreed value<\/em> on boats over 5 years old. <\/li>\n<li><strong>Marine liability<\/strong> : minimum $2 million, recommended $5 million for yachts. Covers damage caused to third parties. <\/li>\n<li><strong>Theft and vandalism<\/strong> : boat, speedboat, electronics, equipment. Check storage exclusions (unfenced exterior). <\/li>\n<li><strong>Road trailer<\/strong> : covers the trailer itself + the boat during transport. Often an endorsement at $50-100\/year. <\/li>\n<li><strong>Auxiliary outboard<\/strong> : on sailboat or yacht with tender \u2014 typical limit $5,000 to $30,000.<\/li>\n<li><strong>Maritime towing costs<\/strong> : breakdown at sea, de-clogging, fuel delivery. Limit $1,000 to $10,000. <\/li>\n<li><strong>Rescue and assistance<\/strong> : covers the legal costs payable by the rescuers (maritime law).<\/li>\n<li><strong>Accidental pollution<\/strong> : spill of fuel or oil. Becomes mandatory for some marinas. <\/li>\n<\/ul>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:24px 0;\">\n  <p style=\"color:#b91c1c;font-size:15px;font-weight:700;margin:0 0 10px;text-transform:uppercase;letter-spacing:1px;\">\u26a0 Common mistake to avoid<\/p>\n  <p style=\"color:#1e293b;font-size:16px;line-height:1.7;margin:0;\">Purchasing an <strong>&#8220;all-risk&#8221; policy<\/strong> without checking the <strong>list of exclusions<\/strong>. Many policies automatically exclude: out-of-zone navigation (St. Lawrence exit, Adirondack lakes), racing\/regattas, third-party rentals, uninsured truck transportation. Have your broker read the policy <em>before<\/em> signing.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6-How-to-Choose-the-Right-Insurance-Broker-in-Quebec\"><\/span>6. How to Choose the Right Insurance Broker in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:16px;margin:24px 0;\">\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">1<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Check the AMF licence<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">All brokers must be registered with the <a href=\"https:\/\/lautorite.qc.ca\/\" target=\"_blank\" rel=\"nofollow noopener\">Autorit\u00e9 des march\u00e9s financiers<\/a>. Check the firm&#8217;s and individual broker&#8217;s licence. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">2<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Documented maritime specialization<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Ask, &#8220;How many boat policies do you place per year?&#8221; Which marine insurers do you have access to? &#8220;At least 5 markets is a healthy standard.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">3<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Responsiveness and accessibility<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Direct number, tracked email, response in 24-48 hours. In a disaster, you want a human in less than two hours, not a call center. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">4<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Verified Reviews  Word of Mouth<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Google Reviews, marina reviews, recommendations in yacht clubs (Club nautique de Longueuil, RVYC, RSLYC). Be wary of practices without a digital footprint. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">5<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Transparency on remuneration<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">A good broker will tell you the commission percentage and any additional broker fees without hesitation. It is even <strong>an ethical obligation of the Chamber of Insurance.<\/strong> <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:18px;align-items:flex-start;background:#f8fafc;border-radius:8px;padding:20px;\">\n    <div style=\"flex:0 0 36px;width:36px;height:36px;border-radius:50%;background:#10c4c7;color:#0d1f2d;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px;\">6<\/div>\n    <div><strong style=\"color:#0d1f2d;font-size:17px;\">Quality French language service<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Bilingual fonts (FR\/EN), French counselling, clear written communication \u2014 especially important for the Caribbean and Florida programs.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">Quick Quote<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Compare-8-insurers-in-one-request\"><\/span>Compare 8 insurers in one request<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;max-width:620px;margin-left:auto;margin-right:auto;\">Save an average of $280\/year. Service in French, AMF license, 30 years of maritime experience. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:30px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Request my boat quote<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7-What-does-a-broker-do-in-the-event-of-a-claim\"><\/span>7. What does a broker do in the event of a claim?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">It is in claims that the value of a broker becomes obvious. Here is the typical procedure at Assur360 when a customer calls after damage to their boat: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>First reassuring call<\/strong> : explanation of the steps, legal deadlines, immediate precautionary measures to be taken.<\/li>\n<li><strong>Opening of the claim<\/strong> with the insurer, transmission of photos, written statement and testimonies.<\/li>\n<li><strong>Coordination with the claims adjuster<\/strong> mandated by the insurer \u2014 access to the boat, inspection schedule.<\/li>\n<li><strong>Valuation check<\/strong> : If the amount offered seems too low, the broker trades on the basis of the agreed value.<\/li>\n<li><strong>Follow-up until payment<\/strong> : legal deadlines respected (60 days for the decision, 30 days for the payment after agreement).<\/li>\n<li><strong>Advice on the impact at renewal<\/strong> : informed decision to claim or not when the amount is marginal vs. the deductible.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8-Why-choose-Assur360-as-your-ship-broker\"><\/span>8. Why choose Assur360 as your ship broker<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border-radius:16px;padding:32px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:22px;font-weight:700;margin:0 0 20px;text-align:center;\">Our commitment<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;\">\n    <div><span style=\"color:#10c4c7;font-weight:800;font-size:18px;\">\u2713<\/span> <strong>30 years of experience<\/strong> in recreational marine insurance in Quebec<\/div>\n    <div><span style=\"color:#10c4c7;font-weight:800;font-size:18px;\">\u2713<\/span> <strong>AMF license<\/strong> and <strong>Chamber of Insurance<\/strong> registration up to date<\/div>\n    <div><span style=\"color:#10c4c7;font-weight:800;font-size:18px;\">\u2713<\/span> <strong>8 marine markets<\/strong> including Intact, Aviva, Promutuel, April Marine, Pantaenius<\/div>\n    <div><span style=\"color:#10c4c7;font-weight:800;font-size:18px;\">\u2713<\/span> French + bilingual service for international programs<\/div>\n    <div><span style=\"color:#10c4c7;font-weight:800;font-size:18px;\">\u2713<\/span> <strong>Over $100,000<\/strong> in policies placed each season<\/div>\n    <div><span style=\"color:#10c4c7;font-weight:800;font-size:18px;\">\u2713<\/span> <strong>0 hidden fees<\/strong> on standard pleasure boat policies<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9-Areas-served-in-Quebec\"><\/span>9. Areas served in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Assur360 serves boat owners in all regions of Quebec: <strong>Montreal<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Brossard<\/strong>, <strong>Boucherville<\/strong>, <strong>Repentigny<\/strong>, <strong>Sorel-Tracy<\/strong>, <strong>Saint-Jean-sur-Richelieu<\/strong>, <strong>Magog<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Quebec City<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Saguenay<\/strong>, <strong>Gatineau<\/strong> and all marinas on the St. Lawrence, the Mille-\u00celes River, Lake Memphremagog, Lake Saint-Jean and the Saguenay Fjord. Telephone service anywhere at <strong>1-866-357-4451<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-%E2%80%94-Boat-Insurance-Broker-in-Quebec\"><\/span>FAQ \u2014 Boat Insurance Broker in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is the advantage of going through a broker for my boat insurance?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">The broker compares 8+ insurers in a single request, negotiates the necessary endorsements for your boat and accompanies you in the event of a claim \u2014 at no additional cost (the commission is included in the premium). Average savings: <strong>$280\/year<\/strong> with equivalent coverage. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How is a boat insurance broker paid?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Per <strong>commission<\/strong> paid by the insurer, generally 10 to 17.5% of the annual premium. This commission is <em>already included<\/em> in the listed price \u2014 you don&#8217;t pay anything extra. Some complex policies (yacht, international programs) may include a broker fee of $25 to $100.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can a broker get better deals than by shopping around myself?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes, in the vast majority of cases. Brokers have access to insurers <strong>not available to the public<\/strong> (e.g. Pantaenius, some Lloyd&#8217;s) and benefit from preferential rates thanks to the volume of policies placed. The difference with identical protections is often 30-60%. <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can a broker help me in the event of a claim?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes \u2014 that&#8217;s one of its main functions. He opens the claim, coordinates with the claims adjuster, verifies the proposed valuation, negotiates if it is too low and follows up on the file until payment. You&#8217;re talking to <strong>a human<\/strong>, not a call center.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is the difference between insurance broker and agent?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">The <strong>independent broker<\/strong> represents the client and shops several insurers. The <strong>direct agent<\/strong> represents a single company (Belairdirect, TD, BMO) and sells only its products. For an atypical boat or international sailing, the broker almost always offers more options.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How much does standard boat insurance cost in Quebec?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">For a 20-foot outboard bowrider (value $30,000-50,000), count <strong>$500 to $1,100\/year<\/strong>. A 30-foot sailboat: $800 to $1,800. A 40-foot yacht: $2,800 and up. The premium varies according to value, zone, experience and storage.   <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is boat insurance mandatory in Quebec?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Not legally mandatory privately, but <strong>required by most marinas<\/strong> (RC minimum $1 M for mooring), and essential if you finance your boat (the bank requires it). Always take out at least $2 million <strong>in civil liability<\/strong> . <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How can I reduce my boat insurance premium?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Take a <strong>Transport Canada navigation course<\/strong> (-5 to 10%), store indoors in the winter (-10%), increase your deductible from $500 to $1,000 (-15%), bundle with your <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> with the same insurer (-5 to 10%), and have your broker shop around every year.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Coverage for sailing in the United States or the Caribbean?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">The standard Quebec insurance policy rarely covers the South. We need an <strong>extended territory amendment<\/strong>, a <strong>negotiated cyclone clause<\/strong> and an international programme. See our complete guide <a href=\"https:\/\/www.assur360.ca\/en\/blog\/marine\/yacht-insurance-for-the-caribbean\/\">to yacht insurance for the Caribbean<\/a>.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Are my speedboat and trailer covered automatically?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">The main speedboat (if it is part of the insured boat): yes. Auxiliary dinghy outboard: <strong>no, unless there is an endorsement<\/strong> (typical limit $5,000 to $30,000). The road trailer: <strong>an endorsement at $50-100\/year<\/strong>, covers transport and the trailer itself.  <\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How long does it take to get a quote through a broker?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">With a complete file (registration, value, photos, experience), allow <strong>24 to 48 hours<\/strong> for a standard boat, up to <strong>5-10 days<\/strong> for a yacht or an international program.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can I change brokers during the year?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes, at any time, without penalty. The policy remains with the insurer; only the intermediary broker changes. The new broker takes care of the file transfer. However, it is easier at the time of <strong>annual renewal<\/strong>.   <\/p>\n\n<\/details>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"What is the advantage of using an insurance broker for my boat insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The broker compares 8+ insurers in a single request, negotiates endorsements useful for your vessel, and assists you in case of a claim \u2014 at no additional cost. Average savings: $280\/year.\"}},\n{\"@type\":\"Question\",\"name\":\"How is a boat insurance broker compensated?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"By commission paid by the insurer, ranging from 10% to 17.5% of the annual premium. This commission is already included in the displayed price. Some complex policies include a broker fee of $25 to $100.\"}},\n{\"@type\":\"Question\",\"name\":\"Can a broker get better deals than if I shop around myself?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, in the vast majority of cases. Brokers have access to insurers not available to the public and benefit from preferential rates due to volume. The difference often reaches 30-60%.\"}},\n{\"@type\":\"Question\",\"name\":\"Can a broker help me in case of a claim?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \u2014 this is one of their main functions. They open the claim, coordinate with the adjuster, verify the assessment, negotiate if it's too low, and follow the file until payment.\"}},\n{\"@type\":\"Question\",\"name\":\"What is the difference between a broker and an insurance agent?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The independent broker represents the client and shops multiple insurers. The direct agent represents a single company. For an atypical vessel, the broker offers more options.\"}},\n{\"@type\":\"Question\",\"name\":\"How much does standard boat insurance cost in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For a 20-foot outboard bowrider, expect $500 to $1,100\/year. A 30-foot sailboat: $800 to $1,800. A 40-foot yacht: $2,800 and up.\"}},\n{\"@type\":\"Question\",\"name\":\"Is boat insurance mandatory in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not legally required for private use, but required by most marinas and essential if you finance your boat. Obtain at least $2M in liability coverage.\"}},\n{\"@type\":\"Question\",\"name\":\"How can I reduce my boat insurance premium?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Transport Canada boating course, indoor storage, higher deductible, bundling with home insurance, and annual shopping by your broker.\"}},\n{\"@type\":\"Question\",\"name\":\"Coverage for navigation in the United States or the Caribbean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The standard Quebec policy rarely covers the South. You need an expanded territory endorsement, a negotiated cyclone clause, and an international program.\"}},\n{\"@type\":\"Question\",\"name\":\"Are my outboard motor and trailer automatically covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Main outboard of the insured boat: yes. Auxiliary outboard for dinghy: no unless endorsed. Road trailer: endorsement for $50-100\/year.\"}},\n{\"@type\":\"Question\",\"name\":\"How long does it take to get a quote through a broker?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"24 to 48 hours for a standard vessel, up to 5-10 days for a yacht or international program.\"}},\n{\"@type\":\"Question\",\"name\":\"Can I change brokers during the year?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, at any time, without penalty. The policy remains with the insurer, only the intermediary broker changes. The new broker handles the transfer.\"}}\n]}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Go-further\"><\/span>Go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\u26f5 Boat Insurance Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Formulas, deductibles and endorsements for Canadian waters.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-quote-3\/your-boat-and-sailboat-insurance-price\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udee5 Sailboat insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Rig, sail and offshore sailing specificities.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/marine\/yacht-insurance-for-the-caribbean\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udf34 Yacht in the Caribbean<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Southern coverage, cyclones, PI and international marinas.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-broker-3\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udc64 Insurance Broker<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Why an independent broker for all your property.<\/p>\n  <\/a>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 24px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">READY TO SAVE?<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Your-Ship-Broker-in-Quebec-%E2%80%94-AMF-Permit\"><\/span>Your Ship Broker in Quebec \u2014 AMF Permit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;max-width:620px;margin-left:auto;margin-right:auto;\">8 insurers compared. Average savings $280\/year. Service in French, 30 years of experience, no commitment.  <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-boat-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:30px;text-decoration:none;font-weight:700;font-size:16px;\">Request my quote<\/a>\n    <a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:16px 32px;border-radius:30px;text-decoration:none;font-weight:600;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:13px;color:#94a3b8;font-style:italic;text-align:center;margin-top:24px;\">This article is for informational purposes. The exact conditions of coverage vary depending on your boat, your profile and your navigation area. Consult an AMF-certified insurance broker for tailored advice.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Marine Insurance Guide 2026 Boat insurance broker in Quebec: savings, expertise, support Compare 8 marine insurers in a single claim, save an [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":24231,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Quebec 2026 Boat Insurance Broker \u2014 Save $280\/year","_seopress_titles_desc":"Boat insurance broker in Quebec: 8 insurers compared, average savings $280\/year, claims support. AMF license, submission in 48 hours. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Boat Insurance Broker: Everywhere in Quebec","_seopress_social_fb_desc":"Compare the best boat insurance offers in Quebec. AMF certified broker.  Free quote in 3 minutes.","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/02\/Courtier-assurance-bateau-en-ligne-au-Quebec.png","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Boat Insurance Broker: Everywhere in Quebec","_seopress_social_twitter_desc":"Compare the best boat insurance offers in Quebec. AMF certified broker.  Free quote in 3 minutes.","_seopress_social_twitter_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/02\/Courtier-assurance-bateau-en-ligne-au-Quebec.png","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"categories":[114],"tags":[],"class_list":["post-19962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-marine"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":1,"sum_votes":5},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/19962","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=19962"}],"version-history":[{"count":17,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/19962\/revisions"}],"predecessor-version":[{"id":55302,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/19962\/revisions\/55302"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/24231"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=19962"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/categories?post=19962"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/tags?post=19962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}