Recreational liability (e.g. ATVs, boating)
🚤 Recreational Liability in Canada: What You Need to Know 🛶
As warmer weather approaches, Canadians are gearing up to enjoy their favourite outdoor pastimes—boating, ATVing, snowmobiling, and more. But amid the adventure, a key question often goes unasked: are you properly protected if something goes wrong?
While these activities bring excitement, they also carry significant liability risks.
🔍 What Is Recreational Liability?
Recreational liability refers to your legal responsibility if you cause injury or property damage while operating vehicles such as:
✅ ATVs (All-Terrain Vehicles)
✅ Boats or Jet Skis
✅ Snowmobiles
✅ Dirt bikes or dune buggies
📉 The Cost of Being Uncovered
Without proper coverage, you could face legal action and be held financially responsible for medical expenses, property damage, or worse.
🧾 Did You Know?
• Most home insurance policies do not automatically cover recreational vehicles.
• Liability coverage may be legally required—particularly for boats and off-road vehicles.
• In many provinces, registration and insurance are mandatory for ATVs and snowmobiles.
💡 Tips to Protect Yourself
• Always carry recreational vehicle insurance with sufficient liability limits.
• Confirm with your broker whether your home or auto policy extends to recreational use.
• Follow safety protocols: wear helmets, use life jackets, and obey local regulations.
• Never lend your recreational vehicle without verifying that the user is properly insured.
🏞️ Enjoy Canada’s great outdoors—but do so responsibly. Protect yourself, your guests, and your peace of mind.
#RecreationalLiability #CanadaInsurance #ATVRisks #BoatingSafety #LiabilityCoverage #OutdoorSafety #InsuranceTips #RiskManagement #CanadianOutdoors #harpreetsingh
