Canada Day is coming up fast. If you’re like many Ontarians, you’re already dreaming about cottage docks, coolers, and casting off into open water. But before you grab your captain’s hat and declare “all aboard,” let’s talk boat safety.
We know it’s not the most exciting part of your lake day—but trust us, it’s a lot more fun than calling for help mid-crisis. At Ayr Farmers Mutual, we’ve seen how quickly a perfect summer day can capsize without the right prep. Whether you're a seasoned skipper or just along for the ride, these tips will help keep your boat—and your vibe—afloat.
Boat Smart: Tips for Smooth Sailing
Take a Boating Safety Course
Boating isn’t rocket science, but there is a test. Every operator of a motorized recreational boat in Canada must carry a Pleasure Craft Operator Card (PCOC).
- This certification ensures you understand the rules of the water and basic emergency procedures.
- Taking a course also increases your confidence and safety awareness. You will feel more in control and informed when behind the wheel.
Watch the Weather Closely
Nothing ruins a lake day like thunder and lightning overhead. To be safe:
- Check the marine forecast – not just your weather app.
- If the forecast calls for storms or strong winds, stay ashore.
- Skies shifting? Head back early.
- When in doubt? Don’t go out.
Know Your Boat's Limits
Safety isn’t just whatever floats your boat; it’s about what keeps it floating in the first place. Keep yourself above water:
- Find your boat’s maximum capacity label and stick to it. You’ll usually find this near the helm.
- Factor in the combined weight of people, gear, food, and coolers.
- If you are unsure whether you have exceeded the limit, lighten the load. Err on the side of caution.
Don't Skip the Life Jackets
Wearing a life jacket is the smartest move you can make. Wear a floatation device and take the guess work out of your day on the water. Still not sure if you want to wear a life jacket? Here’s what the law does require:
- Every passenger on board must have a properly fitted, Transport Canada-approved life jacket.
- You should store them in an accessible spot, not buried beneath towels or coolers. Make sure kids and pets wear jackets that are sized specifically for them.
- There are even options designed for dogs, because “doggy paddle” alone won’t keep your furry friend safe.
Check Your Boat Before You Float
Don’t let small oversights sink your plans. A quick check of your boat and gear ensures you're ready for whatever the water throws your way.
- Fuel up: running out mid-lake is no one’s idea of a splash hit. Check fuel levels, battery charge, and make sure lights are good to go.
- Give your horn a honk, test navigation tools, and ensure the bilge pump is pumping like it should.
- Pack all required safety equipment, such as a bailer, fire extinguisher, sound-signaling device like a whistle, and rope.
Practice Smart Docking
Docking a boat might seem like the final stretch of your day on the water, but it’s one of the most crucial moments for safety. Whether it’s waves, wind, eager passengers or crowded marina, things can go sideways fast if you’re not prepared. Dock with confidence, with these helpful tips:
- Approach the dock slowly and angle in at 45 degrees.
- Choose someone to handle lines and help guide you in calmly.
- As strong as you might be, arms and legs can’t stop your boat. Skip the injury and keep your limbs inside the ride until you’re tethered.
Stay Sober at the Helm
In Ontario, operating a boat under the influence is treated the same as impaired driving. While boating, you’re in charge of the lives on your vessel, as well as responsibly managing your way on the water.
- The law applies on water the same as it does on land. Impaired boating = impaired driving in the eyes of the law.
- Passengers can’t drink while the boat is in motion.
- Save the adult beverages, and any other legal extracurriculars, until you’re docked for the day.
Float with Confidence
At Ayr Farmers Mutual, we believe peace of mind makes for better long weekends. A little planning can help you avoid unnecessary stress, so that you can enjoy every wave and wake with confidence.
Additional Resources
For more information on boating safety, check out:
Talk to your Ayr Farmers Mutual Insurance Agent or Broker today about your insurance coverage, or request a free, no obligation quote on insurance.
Disclaimer: The information provided on this blog is for educational purposes only and is not intended as professional insurance advice. The coverage, terms, and conditions of each insurance policy are unique and subject to individual circumstances. The information provided does not guarantee the availability or suitability of any insurance policy for your specific needs. You should not rely on the information in the blog as an alternative to professional advice from your Insurance Broker or Insurance Company. If you have any specific questions about any insurance matter, please consult a Licensed Insurance Agent or Insurance Broker for personalized advice and guidance.