May 14, 2020

Cowan Insurance GroupBy Cowan Insurance Group

COVID-19 continues to have an impact on virtually every aspect of our lives. As the situation continues to evolve, all of us are dealing with the on-going uncertainty created by these unprecedented events. With the arrival of spring, we have started to receive many questions from our clients regarding boat insurance. As an essential service, we remain open and dedicated to supporting our clients. Our employees are working from home and ready to provide the expert advice, guidance, and excellent service you have come to expect from Cowan.

With boating season just beginning in many areas of the country, the Canadian boating community is feeling the impact of the pandemic. It is still too early to understand if or when owners will be able to launch their boats this year. Many marinas are closed and will either open later in the season or may not open at all. We continue to monitor the situation and evaluate the impact it may have on our clients. 

We are working closely with our insurance carrier partners to find options for premium relief for boat owners who may be delayed or unable to get their boats in the water. The majority of your total boat insurance premium covers the hull and equipment of your vessel year-round, whether it is in the water or on land. Each situation is considered on a case-by-case basis. Any adjustments to your premium will be based on the risk exposures associated with boats in storage and boats not operating on the water.

Special COVID-19 coverage considerations for boat owners

In some provinces, marinas and other marine services are not considered essential services, which impacts the ability of our marine surveyors to complete inspections. At this time, we are asking you to send us photos of your boat, if possible, until surveyors can resume inspections.

This year, boat owners spending their winters in warmer climates such as Florida, the Bahamas, and the Caribbean had to return to Canada early, possibly without their boat. If this situation applies to you, please contact us. We are currently exploring options for our clients to extend coverage past June 1, when named storm season begins, subject to a named storm deductible being applied to your policy. In order to apply this coverage to your policy, we will require details on where the boat is currently moored or in storage, and any actions taken to mitigate damage from wind and named storms.

At Cowan, we understand the current climate is uncertain and leaving a lot unknown. We have created a dedicated page on our website at, where you will find up-to-date information and resources. 

If you have any additional questions or would like to discuss your coverage, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.

Shrink Wrap2020 is a year of change – self-isolation, social distancing, quarantine, and working remotely have become the norm. For many, this has been a bitter pill to swallow. Another bitter pill for boaters is the delay of the season. Provincial laws differ – so terms like ‘essential’ aren’t translating widely across the marine world.

In BC, marinas remain open and fuel is available, sometimes with conditions. In Ontario, marinas, boat launches, yacht clubs and the professionals that service the marine industry aren’t considered essential, unless the service and location allows a person to access their permanent residence only accessible by boat.

Read more about Boating in 2020........................



CY Virtual Video Boat Tours

Virtual Boat ToursWe all love boats and nothing can break us up! So, what better way to spend our time than looking at interesting boats and going aboard in a virtual ride or tour. We have asked our friends at various dealers and manufacturers to help us assemble a one-stop online resource to experience some of the most interesting boats on the market today. Where the CY Team has done a review, we connect you to that expert viewpoint. Our Virtual Show will continue to grow so visit frequently and check it out. If you can’t go boating, you can almost experience the thrill via your screen. Not quite the same, but we hope you enjoy our fine tour collection.


Read more about the CY Virtual Boat Tours....................

KingstonBy Amy Hogue

Cruise into the city of Kingston, Ontario, and it will quickly become clear that this city and surrounding waterways have something special. Built around the northern shore of Lake Ontario, Kingston is the place to go if you love to explore new waterways, fantastic views, and exceptional boating opportunities.

Sitting at the intersection of three world-class Canadian bodies of water, Lake Ontario, the St. Lawrence River, and the UNESCO World Heritage Site, the Rideau Canal (Cataraqui River from Kingston to Newboro), the water’s influence is deeply woven into Kingston’s culture and history. 

Read more about Kingston...........