When you're out on the water before sunrise, checking gear, watching the weather, and hauling in your catch — insurance is probably the last thing you want to think about. But when something goes wrong, the right marine insurance policy is what keeps your business afloat.
At Sea Mountain Insurance, we hear a lot of misconceptions about marine insurance, especially when it comes to commercial fishing vessels. So today, we’re busting some of the most common myths and setting the record straight — so you can keep working with confidence.
The truth: Not all boats are created equal — and neither are insurance policies.
A basic marine insurance policy is built for recreational use. Commercial fishing vessels operate in a completely different environment, with higher risks, expensive gear, and crews on board. If you're running a business on the water, you need commercial marine insurance specifically designed for fishing operations.
Think of it this way: You wouldn’t use a rowboat to haul in tuna — so why use a policy that wasn’t built for your kind of work?
The truth: Your vessel may be the backbone of your operation — but it’s not the only thing at risk.
From nets and winches to sonar equipment, refrigeration units, and even your daily catch, your business relies on more than just the hull and motor. Commercial marine insurance can cover:
If it matters to your business, it should be protected.
The truth: Not having proper insurance is way more expensive.
A single storm, collision, or engine failure could cost you tens of thousands — if not more. A properly structured policy can be scaled to your operation and budget. Whether you’re a one-boat crew or managing a small fleet, Sea Mountain builds custom solutions that protect your livelihood without breaking the bank.
The truth: Experience is valuable, but the sea doesn’t care how seasoned you are.
All it takes is one unexpected wave, a mechanical failure, or an injured deckhand to change everything. Marine insurance isn’t just for the “what ifs” — it’s for the when. Your experience helps you navigate the waters. Our insurance helps you weather the storms.
At Sea Mountain Insurance, we specialize in marine insurance for commercial fishing vessels, and we understand the unique risks you face every day. We’re not here to give you a one-size-fits-all policy — we’re here to build one that works for your business, your vessel, and your future.
Give us a call, shoot us a message, or stop by. Let’s make sure you’re covered — so you can focus on the catch, not the “what if.”
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