{"id":19966,"date":"2023-02-16T15:07:09","date_gmt":"2023-02-16T20:07:09","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/yacht-insurance-for-the-caribbean\/"},"modified":"2026-06-26T02:05:45","modified_gmt":"2026-06-26T06:05:45","slug":"yacht-insurance-for-the-caribbean","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/marine\/yacht-insurance-for-the-caribbean\/","title":{"rendered":"Yacht Insurance for the Caribbean"},"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\/assurance-yacht-pour-les-caraibes\/#article\",\"headline\":\"Yacht insurance for the Caribbean: coverage, territories and costs (2026)\",\"url\":\"https:\/\/www.assur360.ca\/blog\/maritime\/assurance-yacht-pour-les-caraibes\/\",\"datePublished\":\"2023-02-16T15:07:09\",\"dateModified\":\"2026-04-19T12:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault is an insurance broker with over 30 years of experience in Quebec and owner of Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Property and casualty insurance broker license\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"AMF (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\":\"Yacht insurance navigation Caribbean\"},\"mentions\":[{\"@type\":\"Place\",\"name\":\"Caribbean\"},{\"@type\":\"Place\",\"name\":\"Bahamas\"},{\"@type\":\"Place\",\"name\":\"Florida\"},{\"@type\":\"Organization\",\"name\":\"AMF (Autorit\u00e9 des march\u00e9s financiers)\",\"url\":\"https:\/\/lautorite.qc.ca\"},{\"@type\":\"Organization\",\"name\":\"Canadian Coast Guard\"}],\"description\":\"Complete 2026 guide on yacht insurance for the Caribbean: sailing territories, cyclone coverage, costs (2-5% of the value), required equipment, and Canadian quote with specialized 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\":\"Maritime\",\"item\":\"https:\/\/www.assur360.ca\/blog\/maritime\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Yacht insurance for the Caribbean\",\"item\":\"https:\/\/www.assur360.ca\/blog\/maritime\/assurance-yacht-pour-les-caraibes\/\"}]}\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=\"Yacht-insurance-for-the-Caribbean-Protected-sailing-from-Quebec-to-the-West-Indies\"><\/span>Yacht insurance for the Caribbean: Protected sailing from Quebec to the West Indies<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;\">Cyclone coverage, sailing territories, hull\/engine, P&#038;I and 24\/7 assistance: <strong style=\"color:#ffffff;\">everything you need to insure a Canadian yacht sailing in the Bahamas, BVI, West Indies and Florida<\/strong>. Submission in 48 hours. <\/p>\n  <p style=\"color:#64748b;font-size:14px;margin:0 0 28px 0;\">Specialized Marine Broker \u00b7 AMF Licence \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;\">Caribbean<\/a>\n yacht submission<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;\">2-5 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Annual premium \/ value of the yacht<\/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;\">$5M<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Recommended RC Limit<\/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;\">12.5\u00b0N<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Typical cyclone zone boundary<\/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;\">48 h<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Average time to submission<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you a Canadian-registered yacht owner planning to sail in the <strong>Caribbean<\/strong>, <strong>Bahamas<\/strong> or <strong>Florida<\/strong> this winter? Your current policy <em>is probably not adequate<\/em>. Standard Quebec insurers limit navigation to the Great Lakes and Canada&#8217;s East Coast. For tropical waters, you need a <strong>yacht insurance policy with an extended sailing territory<\/strong>, explicit cyclone coverage and a 24\/7 international assistance program. This comprehensive guide \u2014 based on 30 years of <a href=\"https:\/\/www.assur360.ca\/en\/sailboat-insurance-compare-choose-insure\/\">experience in recreational marine insurance<\/a> in Quebec \u2014 explains exactly what to negotiate, how much it costs, and how to get a valid Canadian quote in the Caribbean.    <\/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\/compagnie-assurance-bateau-sud.png\" style=\"width:100%;height:auto;border-radius:16px;\" alt=\"Canadian Yacht Sailing in the Caribbean \u2014 Marine Insurance\"\/><\/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=\"The-essentials-for-sailing-in-the-South\"><\/span>The essentials for sailing in the South<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>Canadian yacht policy<\/strong> can be extended to the <strong>Caribbean, Bahamas and U.S. East Coast<\/strong> via an <em>Extended Territory Endorsement<\/em>. The annual premium is between <strong>2% and 5%<\/strong> of the value of the yacht depending on the age, size and experience of the captain. A <strong>cyclone clause (named-storm warranty)<\/strong> often requires the boat to be out of risk zone between July 1st and November 1st, or moored in a pre-approved marina.  <\/p>\n      <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Important:<\/strong> Caribbean marinas and authorities (BVI, Antigua, St. Martin) require proof of <strong>minimum liability insurance (often USD 1 million).<\/strong> Without it, access to the port is denied. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1-Why-Your-Current-Policy-Isnt-Enough-for-the-Caribbean\"><\/span>1. Why Your Current Policy Isn&#8217;t Enough for the Caribbean<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The majority of <a href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-6\/\">boat insurance<\/a> policies issued in Quebec define a <strong>default navigation territory<\/strong> that is limited to Canadian inland waters (Great Lakes, St. Lawrence River, Gulf) and a limited portion of the U.S. East Coast. As soon as you cross the <strong>200 nautical mile border<\/strong> or go below the 35\u00b0 parallel, the standard coverage ends. <\/p>\n\n<p class=\"wp-block-paragraph\">To sail in <strong>Florida, the Bahamas, the BVI\/USVI, St. Martin, Antigua or the Grenadines<\/strong>, you must have the following added to your policy:<\/p>\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;\">\ud83c\udf0d Extended territory amendment<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Explicit list of islands and territorial waters covered. Check if the Florida\u2194Bahamas\u2194Antilles <strong>offshore crossing<\/strong> is included. <\/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\udf00 Cyclone Clause (Named Storm)<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Defines where and when the yacht should be out of risk area (usually north of 12.5\u00b0N between July-November).<\/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 24\/7 international support<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Towing, breakdown assistance, fuel delivery, multilingual translation, coordination with local coast guards.<\/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;\">\u2693 P&#038;I (Protection &#038; Indemnity)<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Coverage for crew injuries, pollution, and mooring damage. Limits from 1 to 5 M USD depending on the marinas visited. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2-The-essential-coverages-of-an-international-yacht-policy\"><\/span>2. The essential coverages of an international yacht policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A good <a href=\"https:\/\/www.assur360.ca\/en\/boat-insurance-quote-3\/your-boat-and-sailboat-insurance-price\/\">yacht or sailboat insurance<\/a> policy for Caribbean sailing combines several distinct sections. Here is the typical structure negotiated by an experienced ship broker: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Hull &amp; Machinery (hull and machinery):<\/strong> physical damage to the yacht, rigging, sails, engines, navigation equipment. Recommended Agreed Value (vs. Impaired Value). <\/li>\n<li><strong>Liability (maritime civil liability):<\/strong> bodily injury and property damage caused to third parties (other boats, port infrastructures, bathers). Recommended minimum: <strong>$5 million<\/strong>. <\/li>\n<li><strong>P&amp;I (Protection &amp; Indemnity):<\/strong> crew, pollution, search and rescue costs. Often mandatory for high-end marinas. <\/li>\n<li><strong>Personal belongings and equipment<\/strong> : navigation electronics, tenders, paddleboards, diving equipment. Typical limit: $10,000 to $50,000. <\/li>\n<li><strong>Living expenses and repatriation<\/strong> : if the yacht becomes unusable, accommodation and return airfare for owner and crew.<\/li>\n<li><strong>Legal fees and local guarantees<\/strong> : useful in the event of a dispute with marina, port authority or foreign third party.<\/li>\n<\/ul>\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 insist on an <strong>Agreed Value<\/strong> policy rather than a <strong>Current Market Value (LCV)<\/strong> policy. At the time of signing, the broker and the insurer agree on a fixed value; In the event of a total loss, you receive this amount in full, without depreciation. On a $250,000 yacht that is 8 years old, the difference between the two can be as high as <strong>$40 to $60,000<\/strong>.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-Understanding-the-Named-Storm-Warranty\"><\/span>3. Understanding the Named Storm Warranty<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">It&#8217;s the most misunderstood clause \u2014 and the cause of about <strong>40% of denied claims<\/strong> in the Caribbean. The <em>Named Storm Warranty (or Named Storm Warranty<\/em>) imposes precise geographical and temporal restrictions. If your yacht is in the no-go zone at the time a storm is named by the U.S. NHC, the insurer may refuse coverage.  <\/p>\n\n<p class=\"wp-block-paragraph\">The most common variants:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Box Rule (12.5\u00b0N):<\/strong> the yacht must be north of the 12.5th parallel (typically Grenada, Trinidad, Cura\u00e7ao to the south) between July 1st and November 1st.<\/li>\n<li><strong>Hurricane Plan mandatory<\/strong> : written statement of the sheltering plan if a storm is named less than 72 hours away. Pre-approved marinas required (e.g. Trinidad, Grenada Marine, Carriacou). <\/li>\n<li><strong>Out-of-Water Storage<\/strong> : Some policies require the yacht to be out of the water (on a cradle) during the hurricane season.<\/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 Warning \u2014 Caribbean Cyclones<\/p>\n  <p style=\"color:#1e293b;font-size:16px;line-height:1.7;margin:0;\">Marinas in the Caribbean charge up to <strong>$10,000 USD for an emergency haul-out<\/strong> before a cyclone, with delays of 48-72 hours. Reserve your shelter spot <strong>as soon as you register for the Caribbean program<\/strong>, not at the last minute. A yacht without a documented plan may have its cyclone claim reduced by 50% or denied.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4-How-much-does-yacht-insurance-cost-in-the-Caribbean\"><\/span>4. How much does yacht insurance cost in the Caribbean?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The annual premium for yacht insurance with Caribbean territory is typically between <strong>2% and 5% of the agreed value<\/strong>. Here are the ranges observed in 2025-2026 in the Canadian market (including brokerage and taxes): <\/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;\">Value of the yacht<\/th>\n<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Canadian<\/th>\n Waters<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Florida \/ Bahamas<\/th>\n<th style=\"padding:14px;text-align:center;border:1px solid #0d1f2d;\">Full Caribbean<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">$100,000 (35 ft)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$1,200-1,800<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$2,200-$3,200<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$3,500-5,000<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">$250,000 (45 ft)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$2,800-4,200<\/td>$<td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">5,500-$8,500<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$8,000-12,500<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px;border:1px solid #e2e8f0;\">$500,000 (55 ft)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$5,500-8,500<\/td>$<td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">11,000-17,000<\/td>$<td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">15,000-$25,000<\/td><\/tr>\n      <tr><td style=\"padding:12px;border:1px solid #e2e8f0;\">$1M (65 ft)<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$11,000-16,000<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$22,000-$32,000<\/td><td style=\"padding:12px;text-align:center;border:1px solid #e2e8f0;\">$30,000-$50,000<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><strong>Factors driving up the premium<\/strong>: age of the yacht over 15 years, captain without certification (ICC, RYA), lack of AIS\/EPIRB system, unpaid untrained crew, history of claims. Conversely, the <strong>installation of AIS, satellite emergency beacon, STCW training<\/strong> and the use of a professional captain for the crossing can reduce the premium by 10 to 25%. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-Mandatory-equipment-for-Caribbean-coverage\"><\/span>5. Mandatory equipment for Caribbean coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Specialty insurers require a specific list of safety equipment before issuing a tropical navigation policy. Compliance must be <strong>verifiable by certificate or pre-departure inspection<\/strong> : <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0;\">\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\ud83d\udce1 AIS Class B (minimum)<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Automatic identification system to avoid collisions and allow location. Cost\u2248 $800-1,500. <\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\ud83c\udd98 EPIRB or PLB Cospas-Sarsat<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">406 MHz emergency beacon registered with Canadian authorities. Automatic activation in case of submersion. <\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\ud83d\udedf SOLAS life raft<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Capacity = maximum number of people on board. Mandatory annual inspection in a certified workshop. <\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\ud83d\udcde SAT phone or Iridium GO!<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Communication outside the VHF zone (beyond 25-30 nautical miles). Essential for the crossing. <\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\ud83e\udded Certified Captain<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">ICC, RYA Yachtmaster Offshore, USCG Master or Canadian equivalent (Transport Canada) certificate.<\/p>\n  <\/div>\n  <div style=\"background:#f0fdfa;border-left:4px solid #10c4c7;border-radius:8px;padding:20px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:700;margin:0 0 8px;\">\u2693 Recent survey (5 years)<\/h3>\n    <p style=\"color:#475569;font-size:14px;line-height:1.6;margin:0;\">Full inspection of the yacht by a SAMS\/NAMS surveyor less than 5 years old (or 2 years if yacht > 15 years old).<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6-Steps-to-Purchase-Valid-Canadian-Yacht-Insurance-in-the-Caribbean\"><\/span>6. Steps to Purchase Valid Canadian Yacht Insurance in the Caribbean<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;\">Define the route and time period<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Precise list of countries, ports and marinas, departure\/return dates, planned route (including offshore crossings). The more detailed it is, the better the premium. <\/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;\">Prepare the yacht file<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Recent survey, high-resolution photos, equipment inventory, estimated value, claim history, Transport Canada registration.<\/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;\">Document the captain&#8217;s experience<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Maritime CV, Certificates (ICC, RYA, STCW), Sea Hours, Documented Offshore Experience. If you take a pro captain on board, provide his contract. <\/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;\">Shop through a specialized broker<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">The international yacht market is dominated by specialized Lloyd&#8217;s syndicates and MGAs (Pantaenius, Markel, Travelers, ICC). A broker like Assur360 has access to 8-12 markets in parallel. <\/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;\">Compare cyclone clauses<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Read the exclusions line by line. The cheapest policy often has the most severe constraints (wide forbidden zones, cumulative penalties). <\/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;\">Get the certificate before departure<\/strong><p style=\"color:#475569;margin:6px 0 0;font-size:15px;line-height:1.6;\">Marinas require a bilingual Certificate of Insurance (FR\/EN), valid for the full period, mentioning the marina as co-insured if required.<\/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;\">Ready to go south?<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Caribbean-yacht-submission-in-48-hours\"><\/span>Caribbean yacht submission in 48 hours<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;\">8 international markets compared. Cyclone amendment negotiated. 24\/7 bilingual support included. AMF license.   <\/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 a Yacht Quote<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7-Specific-Risks-of-Shipping-in-the-Caribbean\"><\/span>7. Specific Risks of Shipping in the Caribbean<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Beyond cyclones, tropical shipping presents a series of risks that your broker must be aware of in order to build the policy properly:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Coral reefs and shoals<\/strong> : The Bahamas and BVI have hundreds of poorly mapped reefs. Strandings account for <strong>30% of disasters<\/strong> in the region. <\/li>\n<li><strong>Theft and opportunistic piracy<\/strong> : dinghies, speedboats, electronics. Rarer at anchor than in poorly secured marinas. <\/li>\n<li><strong>Tropical lightning<\/strong> : 10\u00d7 more common than in Quebec. Can destroy on-board electronics in milliseconds even without direct contact. <\/li>\n<li><strong>Carbon monoxide poisoning<\/strong> : outboard tenders in the vicinity of the yacht. CO detector mandatory in the berths. <\/li>\n<li><strong>Sargassum<\/strong> : invasive algae that can clog cooling water intakes and damage engines.<\/li>\n<li><strong>Customs regulations<\/strong> : temporary import (TIP), navigation permits by country, crew visas. Infringement may result in seizure of the yacht. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8-What-to-do-in-the-event-of-a-disaster-in-the-Caribbean\"><\/span>8. What to do in the event of a disaster in the Caribbean?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Managing a claim 3,000 km from Quebec is radically different from a local claim. Here is the procedure to follow, in order: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Secure the crew first<\/strong> \u2014 call the local coast guard (VHF channel 16 or country number) if there is a life-threatening emergency.<\/li>\n<li>Contact your insurer&#8217;s <strong>24\/7 assistance<\/strong> (number listed on the policy) \u2014 towing coordination, accommodation, contact of the nearest marina.<\/li>\n<li><strong>Document exhaustively<\/strong> : tagged GPS photos, panoramic video, signed testimonies (other skippers, marina staff), report from the harbour master&#8217;s office.<\/li>\n<li><strong>Precautionary measures<\/strong> : prevent aggravation (pumping, tarpaulin, moving to a sheltered anchorage). It is a <em>legal obligation<\/em>. <\/li>\n<li><strong>Notify your Canadian broker<\/strong> within 48-72 hours with photo records and written declarations. No call to the direct insurer without a broker. <\/li>\n<li><strong>Keep all receipts<\/strong> in USD and EUR: towing, diver, plumber, hotel, return tickets. Everything is refundable under certain conditions. <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9-Why-choose-a-Canadian-ship-broker\"><\/span>9. Why choose a Canadian ship broker?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">You may be tempted to take out directly with a US or English MGA. There are three major reasons to use a <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-broker-3\/\">Quebec insurance broker<\/a>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Supervision by the AMF<\/strong>: your broker is responsible, in French, to a Canadian regulator. Simpler remedies in the event of a dispute.<\/li>\n<li><strong>FAJ-RAMQ coordination<\/strong>: travel health coverage and emergency medical expenses, articulated with your Quebec health insurance.<\/li>\n<li><strong>Knowledge of Canadian policies<\/strong>: Your broker understands the interaction between your <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> (personal effects on the yacht), your <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">car insurance<\/a> (trailer), your yacht and your travel coverage.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10-Most-Active-Canadian-Regions-in-Caribbean-Yachting\"><\/span>10. Most Active Canadian Regions in Caribbean Yachting<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, the yacht owners who go south each winter come mainly from the <strong>Montreal<\/strong> region (\u00cele-des-S\u0153urs, Pointe-Claire, Repentigny), the <strong>South Shore<\/strong> (Saint-Lambert, Boucherville, Sorel), the <strong>Eastern Townships<\/strong> (Magog, Sherbrooke), <strong>Quebec City<\/strong> and <strong>the Mauricie<\/strong> region. If you live in one of these areas and plan to sail in <strong>Nassau, Marsh Harbour, Road Town (BVI), Marigot (St. Maarten), English Harbour (Antigua), Bequia or Grenada<\/strong>, ask your broker for a complete review of your current policy at least <strong>90 days before departure<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs-%E2%80%94-Yacht-Insurance-for-the-Caribbean\"><\/span>FAQs \u2014 Yacht Insurance for the Caribbean<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>Does my Quebec boat insurance automatically cover me in the Caribbean?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">No, almost never. Standard policies limit navigation to Canadian waters and a limited portion of the U.S. East Coast. For the Bahamas, BVI, West Indies or Florida, you must add an <strong>extended territory endorsement<\/strong> and negotiate the cyclone clause.<\/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 a yacht policy with full Caribbean coverage cost?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Between <strong>2% and 5% of the agreed value<\/strong>. A $250,000 yacht typically costs $8,000 to $12,500\/year for Caribbean coverage, vs. $2,800 to $4,200 in Canadian waters alone.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is a Named Storm or Hurricane Box clause?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">This is a conditional exclusion: your insurer only covers cyclonic damage if the yacht complies with certain geographical and temporal rules, such as staying north of <strong>12.5\u00b0 north<\/strong> latitude between July and November, or being moored in a pre-approved marina with a sheltering plan.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What to do in the event of a disaster in the Caribbean?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Secure the crew, notify the <strong>24\/7 police assistance<\/strong>, document with GPS photos, take precautionary measures (pumping, tarpaulin), then contact your <strong>Canadian broker<\/strong> within 48-72 hours. Keep all receipts.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Is my itinerary in the West Indies, Bahamas and Florida automatically covered?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Only if the <strong>police&#8217;s navigation territory<\/strong> specifies it (BVI\/USVI, St. Martin, Antigua, Grenadines, etc.). <strong>Offshore crossings<\/strong> (Florida \u2194, Bahamas \u2194, West Indies) may require AIS, EPIRB beacon, SOLAS raft and certified captain.<\/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 liability limit to choose for marinas in the South?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">The recommended standard is <strong>$5 million CAD<\/strong>, but some marinas require a minimum of <strong>$1 million USD<\/strong> on the certificate. For 50-foot yachts &gt; or private charters, go up to $10 million.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Do you need a separate P&amp;I policy or is it included?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">On high-end Canadian yacht policies (Pantaenius, Markel, some Lloyd&#8217;s), P&amp;I is integrated into civil liability. On basic policies, it&#8217;s an <strong>endorsement at $200-800\/year<\/strong> depending on the size of the crew.<\/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 yacht insurance premium?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Install AIS Class B + EPIRB Cospas-Sarsat (-10%), do STCW or ICC training (-10-15%), hire a certified captain for the crossing (-15%), choose a higher deductible (-5-10%), and present a <strong>recent positive survey<\/strong> by a SAMS\/NAMS surveyor.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Are dinghy and speedboat flights covered?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Yes, under the <strong>&#8220;Tenders &amp; Toys&#8221;<\/strong> section of the policy, with a typical limit of $10,000 to $30,000. Preventive measures required: outboard lock, night lifting sling, serial number engraving.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does my Quebec health insurance (RAMQ) cover care in the Caribbean?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">Very partially. Purchase separate <strong>travel medical insurance<\/strong> with medical evacuation coverage (recommended: $5 million). Your broker can combine yacht + travel into one bilingual program.<\/p>\n\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does my yacht need to be registered under a Canadian or foreign flag?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">The Canadian flag (Transport Canada) is accepted throughout the Caribbean and facilitates consular procedures. Some countries (BVI, Cayman Islands) offer tax advantages for yachts &gt; 24 m via their registry, but the administrative complexity is only justified above $1 million in value.<\/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 Caribbean yacht quote?<\/strong><\/summary>\n\n<p class=\"wp-block-paragraph\">With a complete file (survey, photos, captain&#8217;s resume, itinerary), a Canadian ship broker gets quotes in <strong>48 to 72 hours<\/strong>. For $500,000 yachts &gt; or captains with no history, allow 5-10 business days. <\/p>\n\n<\/details>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Does my Quebec boat insurance automatically cover me in the Caribbean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, almost never. Standard policies limit navigation to Canadian waters and a limited portion of the U.S. East Coast. For the Bahamas, BVI, Caribbean, or Florida, you need to add an expanded territory endorsement and negotiate the cyclone clause.\"}},\n{\"@type\":\"Question\",\"name\":\"How much does a yacht policy with full Caribbean coverage cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Between 2% and 5% of the agreed value. A $250,000 yacht typically costs $8,000 to $12,500\/year for Caribbean coverage, vs. $2,800 to $4,200 in Canadian waters only.\"}},\n{\"@type\":\"Question\",\"name\":\"What is a Named Storm or Hurricane Box clause?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is a conditional exclusion: the insurer only covers cyclone damage if the yacht adheres to certain geographical and temporal rules, such as staying north of 12.5\u00b0 N between July and November, or being docked in a pre-approved marina.\"}},\n{\"@type\":\"Question\",\"name\":\"What to do in case of a claim in the Caribbean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Secure the crew, notify the 24\/7 assistance of the policy, document with GPS photos, take precautionary measures, then contact your Canadian broker within 48-72 hours. Keep all receipts.\"}},\n{\"@type\":\"Question\",\"name\":\"Is my itinerary through the Caribbean, Bahamas, and Florida automatically covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Only if the policy's navigation territory specifies it. Offshore crossings may require AIS, EPIRB beacon, SOLAS raft, and certified captain.\"}},\n{\"@type\":\"Question\",\"name\":\"What liability limit should I choose for southern marinas?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The recommended standard is $5 million CAD, but some marinas require a minimum of $1 million USD on the certificate. For yachts over 50 feet, increase to $10 million.\"}},\n{\"@type\":\"Question\",\"name\":\"Do I need a separate P&I policy or is it included?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"On high-end Canadian yacht policies, P&I is included in the liability coverage. On basic policies, it is an endorsement costing $200-800\/year depending on crew size.\"}},\n{\"@type\":\"Question\",\"name\":\"How can I reduce my yacht insurance premium?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Install AIS + EPIRB, take STCW or ICC training, hire a certified captain, choose a higher deductible, and present a recent positive survey.\"}},\n{\"@type\":\"Question\",\"name\":\"Are thefts of tenders and outboards covered?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, under the Tenders & Toys section, with a typical limit of $10,000 to $30,000. Required prevention measures: outboard lock, night sling, engraving of the serial number.\"}},\n{\"@type\":\"Question\",\"name\":\"Does my Quebec health insurance cover care in the Caribbean?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Very partially. You must purchase separate travel medical insurance with medical evacuation coverage (recommended: $5 million).\"}},\n{\"@type\":\"Question\",\"name\":\"Does my yacht need to be registered under a Canadian or foreign flag?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Canadian flag (Transport Canada) is accepted everywhere in the Caribbean and facilitates consular procedures. Foreign flags are only justified for values over $1 million.\"}},\n{\"@type\":\"Question\",\"name\":\"How long does it take to get a Caribbean yacht quote?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"With a complete file, a Canadian ship broker gets quotes in 48 to 72 hours. For yachts over $500,000, allow 5 to 10 business days.\"}}\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\/sailboat-insurance-compare-choose-insure\/\" 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\udf0a Marine Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Overview of the Quebec Pleasure Boat Market.<\/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 choose an independent broker for your yacht.<\/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 FOR THE SOUTHERN SEASON<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Caribbean-Yacht-Submission-%E2%80%94-AMF-Advisor\"><\/span>Caribbean Yacht Submission \u2014 AMF Advisor<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 international markets compared. Cyclone amendment negotiated. 24\/7 bilingual support. Service in French, without obligation.   <\/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 a 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 yacht, itinerary and profile. For tailored advice, consult an AMF-certified insurance broker specializing in recreational boating.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Marine Insurance Guide 2026 Yacht insurance for the Caribbean: Protected sailing from Quebec to the West Indies Cyclone coverage, sailing territories, hull\/engine, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14970,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Caribbean Yacht Insurance 2026 \u2014 Cyclone & Bahamas Coverage","_seopress_titles_desc":"Canadian yacht insurance for the Caribbean, Bahamas, Florida: extended territory, cyclone clause, P&I, 2-5% premium. AMF broker submission in 48 hours. 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Free quote in 3 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