Re: Bigger engine swap.. Want to exceed manufacturers rating..Advice please.
1. Insurance. If your boat is insured, your insurance company may drop you instantly.
2. Liability. If anything bad ever happened on the water while your boat was overpowered, and it was deemed your fault, you might as well just open your wallet?the other guy could easily sue you. Oh, and your insurance wouldn?t cover you.
Used to work in insurance, had many boats insured. Not once did our agents, or underwriting company, ever care about rated power! TOTAL power mattered, as some engine sizes as well as a magic engine/length ratio were important (which did not match the OEM size recommendations) And even then, in most cases it just meant higher rates. The only things we wouldn't touch were the muscle PWCs. 200+ HP on a single or 2 seater was a no-go for insurance.
With all that said, yes we also paid out liability claims. Not a single one denied because of engine size.
Your insurance may be different, call and find out. Personally I'd probably say go for it. That force 125 isn't exactly known as a powerful motor, and probably is more than a couple shy of 125 anyway.
As far as issues with your local DNR/sheriff, just depends if they check. Personally I've never once had a check for engine size. (my current boat doesn't even list a HP rating, only capacity) Some lakes ban 10+hp engines, you are way past being concerned about that! (I'm guessing putting some 9.9 stickers on the cowl only works to a certain point.)