Liability Insurance Requirement

All motorboats powered by engines of more than 50 horsepower, and all personal watercraft (PWC), must be covered by a liability insurance policy.

• The policy must provide at least $50,000 of liability coverage per occurrence.
• It is illegal for the owner of such a vessel to operate it, or allow others to operate it, unless the vessel has the required insurance.
• Proof of insurance must be carried on board the vessel and be available for inspection by an enforcement officer.
• Registration applications for vessels requiring liability insurance must be accompanied by proof of the insurance policy.