The Pacific Northwest isn’t just beautiful—it’s rugged, unpredictable, and home to one of the most active commercial fishing industries in the country. But with that opportunity comes a unique set of risks, which means marine insurance here can’t be one-size-fits-all.
Here’s what makes marine insurance in the PNW different—and why having the right policy matters.
The PNW is known for sudden storms, heavy fog, strong currents, and rough coastlines. These aren’t just inconvenient—they’re high-risk scenarios for vessels and crews.
Your marine insurance policy needs to account for these regional weather patterns with strong hull coverage and protection & indemnity (P&I) that actually holds up under pressure.
Many vessels in Washington and Oregon operate long-haul trips to Alaska, which creates a whole new level of exposure—from mechanical breakdowns far from port to emergency medical situations for crew.
That’s why it's important to have policies that follow your fleet beyond state waters and into international zones, with comprehensive crew coverage and voyage-specific endorsements.
From crabbers and seiners to trawlers and gillnetters, the PNW hosts a wide range of fishing methods—each with different equipment, staffing, and operational risks.
A good marine policy should reflect the specifics of your operation. Generic coverage won’t cut it when gear goes overboard or a net gets caught in the prop.
Every port and state has its own rules, and the PNW is no exception. Whether you're docking in Bellingham, Astoria, or Dutch Harbor, your insurance policy should align with local regulations, licensing requirements, and vessel inspection standards.
In the PNW, fishing isn’t just business—it’s heritage. At Sea Mountain Insurance, we’re proud to work with vessel owners whose families have fished these waters for generations. We understand the culture, the urgency of the season, and the pressure to keep your crew safe while keeping your business afloat.
Whether you're a seasoned skipper or just starting your commercial fishing journey, we're here to help make sure your policy actually works where and how you work. Let's talk through your risks and build the right protection—from deck to dock.
