Massachusetts is introducing new boater safety and licensing requirements beginning in 2026, and many residents who operate boats or personal watercraft will need to complete a certified safety course to remain compliant.
If you own or operate a motorized vessel in Massachusetts, here’s a clear overview of what’s changing, who it affects, and what you should do to prepare.
What’s Changing in 2026
Starting in 2026, Massachusetts will require certain boat and personal watercraft operators to complete a state-approved boating safety education course in order to legally operate on state waterways.
Beginning in 2026:
- Anyone born on or after January 1, 1989 must complete a boater safety education course
- Certification is required by April 1, 2026
- Operators born before January 1, 1989 have until April 1, 2028 to comply
These requirements apply to operators of motorized boats and personal watercraft, including jet skis.
Approved Massachusetts Boater Safety Courses
Massachusetts recognizes several approved boating safety education options. Courses are available online and in person.
One commonly used option is Boat-Ed, which offers a Massachusetts-approved online boating safety course designed to meet state requirements:
https://www.boat-ed.com/massachusetts/
The Massachusetts Environmental Police also offer approved boating safety education programs, including classroom sessions held throughout the state.
Official state resources include:
https://www.mass.gov/take-a-boating-safety-course
https://www.mass.gov/info-details/boating-safety-course-schedule
Course availability may vary by location and season, so early registration is recommended.
Why Boater Safety Licensing Matters
These updated requirements are intended to improve safety on Massachusetts waterways by ensuring operators understand navigation rules, emergency procedures, and responsible boating practices.
For boat owners, compliance isn’t just about avoiding fines. Completing a safety course can help reduce accident risk and promote safer operation for everyone on the water.
How This May Affect Your Boat Insurance
New licensing and safety requirements do not automatically change your insurance coverage. However, they can affect risk considerations, depending on the situation.
If you own a boat, personal watercraft, or other recreational vessel:
- Insurance needs can vary based on vessel type, usage, and location
- Operator qualifications and safety training may be relevant in certain situations
- Coverage considerations differ for boats, jet skis, and other watercraft
You can learn more about coverage considerations on our watercraft insurance page.
What Massachusetts Boaters Should Do Now
Even if your compliance deadline is still a year or more away, it’s a good idea to plan ahead.
Recommended next steps:
- Confirm whether your birthdate falls under the new requirement
- Choose a state-approved boating safety course
- Complete certification before the applicable deadline
- Review your boat or personal watercraft insurance coverage
Insurance policies do not automatically update when laws change, so reviewing coverage as regulations evolve is a smart step.
Questions About Boating Insurance in Massachusetts?
Changes in safety and licensing requirements can influence how boats are operated and insured. Coverage varies by policy and situation.
The team at Risman Insurance Agencies can help you explore coverage options and review what may be appropriate for your specific vessel and usage.
Contact us today to request a quote or policy review.
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