Playoff Mode: Insurance Lessons from the Diamond

The Seattle Mariners are back in the postseason, and fans all over the Pacific Northwest are getting that classic October itch — the thrill, the tension, the hope. After clinching the AL West and snagging a first-round bye, the Mariners are gearing up for prime-time battles.

While we at Sea Mountain Insurance don’t sell baseballs, there’s a surprising amount of overlap between running a championship-caliber team and running an insured, safeguarded business (or life). Let’s take a look at three “innings” of lessons we can all take from playoff baseball—and how those lessons translate into smarter insurance moves.

 

1. First Inning: Know Your Risks Before You Step Up to the Plate

Mariners management didn’t squeak into the postseason by accident—they evaluated strengths, patched weaknesses, and made strategic moves (hello, Josh Naylor trade!). In insurance, the first inning is your “risk assessment” phase.

  • Identify what you need to protect (vessel, property, crew)
  • Understand where your exposures are (weather, liability, equipment breakdown)
  • Choose coverage that matches—not underinsured, not overpaying

Just like a hitter studies pitchers before batting, you’ve got to study your risks before making your coverage call.

 

2. Midgame Strategy: Adjust, Pivot, Stay Agile

In playoff games, you see managers making pinch-hitter calls, bullpen switches, or defensive shifts depending on the inning. Sometimes your ace starts out strong, sometimes your bullpen has to finish it. 

Your insurance strategy requires similar flexibility:

  • Reevaluate coverage as your business grows or changes
  • Add endorsements (flood, pollution, payload) if new risks emerge
  • Keep year-to-year adjustments—not set-it-and-forget-it

A static policy in changing seas is like leaving your starter in despite fatigue—it rarely ends well.

 

3. Bottom of the Ninth: Backup Plans and Margin for Error

Close game? Walk-off threats? That’s where depth, backups, and insurance play shine. The Mariners earned a bye, but they still need reliable arms down the stretch. 

In the insurance world, that means:

  • Having umbrella or excess coverage just in case
  • Maintaining reserves or deductibles you can absorb
  • Ensuring continuity (e.g. business interruption, equipment coverage)

When your ninth inning gets messy, you want the safety net in place.

 

“Innings” We’re Rooting For

We’re pulling for the Mariners every pitch—and rooting for every one of you to step into your own field of play knowing your assets, your crew, and your business are protected. 

Play hard. Cover smart. Stay Sea Mountain strong.