Aquaculture Insurance
When the risks are this specific,
only specialist cover will do.
In Aquaculture, a Single Event Can Devastate an Entire Operation
Fish farming and aquaculture businesses face a unique set of risks that require specific expertise and tailored cover.
Stock loss from disease, parasitic infestation, toxic algal bloom, oxygen depletion, or extreme weather events can be sudden and devastating. Equipment failure at a critical time, pumps, aeration systems, feeding systems, can have an immediate and irreversible impact on stock. For operations that span multiple sites or international locations, coordinating an insurance programme that genuinely covers the full scope of the business adds another layer of complexity.
We understand that no two aquaculture businesses face the same risks, and we don't treat them as if they do.
Our Approach: From Species to Site, We Need to Understand Your Operation First
Aquaculture is a sector where insurer appetite and technical knowledge matter more than most. Before we make any recommendations, we take the time to understand your operation, species, production method, site characteristics, biosecurity protocols, regulatory environment, and any international dimension. That understanding shapes the programme we build and the insurers we approach on your behalf.
What We Cover
Stock
Cover for fish stock against loss arising from disease, parasite infestation, pollution, environmental events, and equipment failure. The basis of cover, the species, the life stage, and the valuation method all need to be accurately reflected.
Equipment and Machinery
Cover for cages, tanks, pumps, aeration systems, feeding equipment, and associated infrastructure. Equipment failure is one of the most common causes of stock loss, and the two risks are closely connected.
Business Interruption
If a loss event forces a halt to production, the financial consequences extend well beyond the immediate stock loss. BI cover needs to reflect the production cycle of your specific operation and the time required to restock and return to normal output.
Property and Buildings
For onshore facilities, hatcheries, processing units, offices, and storage, cover for buildings, contents, and equipment against the standard perils as well as the specific risks of an aquatic environment.
Public and Products Liability
Your liability to third parties, including customers and neighbouring operations, for injury, property damage, or losses arising from your business activities, including the supply of product.
Marine Insurance
For operations using workboats, feed barges, or other craft to service your sites, specific marine cover may be relevant alongside your main aquaculture programme. See our Marine & Transport page for more details.
Employers Liability
A legal requirement for any operation with employees. In an aquaculture environment, the combination of physical work, water, and remote or offshore locations creates a distinctive risk profile that adequate cover needs to reflect.
Management Liability, Commercial Crime
For details on these covers and why every business needs them, see our Essential Cover page.
Speak to a specialist about your aquaculture risks.
Whether you run a single fish farm or a multi-site international operation, let’s have a conversation about whether your current programme genuinely reflects what you're exposed to.