Is Boat Insurance a Legal Requirement in Colorado?

When the spring thaw comes many people will be considering buying a boat or enjoying the one they have stored for the winter. Boating is a great way to enjoy the great outdoors in Colorado, however, it is important that you stay safe and up to date on the newest regulations. At Compass Insurance we want you to have the most fun this summer on your boat, but safely so your person and your property is not damaged in the process. We serve Centennial, CO and the surrounding area with quality insurance for all aspects of your life. 

Is Boat Insurance Required, Legally?  

In the state of Colorado, you are not legally required to carry boater’s insurance in order to operate your boat or to receive a registration. However, due to the nature of the sport, it is highly recommended that you insure your boat for your own safety net in case something occurs on the waters. There is nothing like losing your property to halt all fun, or being liable for someone else’s property in an accident. Boater’s insurance can have your back if something goes wrong on the water.

Boating requirements do include the rule that you must be registered with the state and receive a registration number that is displayed on the vessel. A Boater education card proves you took the courses for safety and knowledge of state laws. Be sure to do these two things and legally you can enjoy the water. However, insurance is always the best idea. 

Contact us at Compass Insurance to find out about boat insurance rates and what sort of coverage you want. We serve Centennial, CO and the surrounding areas.