Aquaculture & Fish Farm Insurance Coverage Checklist
The coverages an aquaculture & fish farm business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for fish, shellfish, and seaweed farms. Priorities reflect typical exposure for this class; confirm against your actual systems and species.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers injuries to visitors and damage to others from farm operations. | Core | |
| Aquaculture Stock Mortality | Covers fish and shellfish lost to power failure, storm, and other named perils. | Core | |
| Property / Equipment | Covers buildings, tanks, pumps, filtration, and nets. | Core | |
| Workers' Compensation / Employer's Liability | Covers farm staff; marine crew may need maritime coverage instead. | Core | |
| Equipment Breakdown | Covers pumps, blowers, and controls that keep stock alive. | Prevalent | |
| Pollution Liability | Covers discharges, escapes, and chemical releases — usually excluded from GL. | Prevalent | |
| Products Liability / Product Recall | Covers illness claims and recalls, especially for shellfish. | Prevalent | |
| Hull & Protection and Indemnity (P&I) | Covers work boats and liability on the water. | Situational | |
| Maritime Employers Liability (Jones Act) | Covers crew injured working from vessels. | Situational | |
| Umbrella / Excess Liability | Adds limits above liability policies. | Situational |
The coverage gap most often missed
The gap most often missed by fish farms is the stock itself. Property policies cover buildings and tanks, not the fish in them — a Canadian farm lost about 95% of its fish when the power and generator failed, and only the building was insured. Stock mortality coverage is specialized and usually requires backup power, alarms, and monitoring. Ask your advisor about stock coverage and pollution coverage for escapes before a loss.
Send us the checklist and we'll review your aquaculture & fish farm coverage line by line, then market it across multiple carriers that compete for your account.
Related: Aquaculture & Fish Farm Insurance · Aquaculture & Fish Farm Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an aquaculture & fish farm business need?
The core coverages for an aquaculture & fish farm business are General Liability, Aquaculture Stock Mortality, Property / Equipment, Workers' Compensation / Employer's Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my aquaculture & fish farm coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.