Life Insurance for fishermen can often be available at normal terms, but this will depend significantly on the types of vessel that you use, where you travel to (close to shore, deep sea) and how often you are at sea. Fishermen on small vessels, deep sea trips and/or regular excursions may find that their Life Insurance policy is accepted at special terms which will likely involve an increase to the base monthly premiums.
Fishermen's Critical Illness Cover may be available at standard terms. If you are required to use small vessels, travel greatly offshore and/or spend significant time away from land the Critical Illness policy may be offered at non-standard terms. This could be a higher premiums and/or occupational exclusion.
Income Protection for fisherman will be considered on an individual basis and we strongly suggest that you speak with an insurance adviser before placing your application. Where your work does not require you to work far off shore, then Income Protection may be available at standard terms with select insurers. Deep sea fishermen will need to place their Income Protection application with a specialist insurance provider to try and secure terms of cover.
For more information on specific health conditions, pastimes, occupations and countries please select here:
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Fishermen are considered to have one of the most hazardous occupations due to the unpredictability of the environment that they work within. Fishermen are highly skilled individuals who must be alert and adaptable to environmental changes that may place themselves and/or their crew in danger. A fishermen's primary objective is to harvest the right type and amount of fish that they are allowed to bring to shore at each seaward journey.
Other Services Available
You can apply for any of the following services through ourselves
* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.
Further Reading and Research
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We are specialist high risk insurance advisers who are dedicated to helping everyone get the insurance that they need.
The materials in this website are in no way intended to offer medical advice. Please consult your doctor if you notice medical symptoms or feel ill.
Information regards taxation levels and basis of reliefs are dependent on current legislation, individual circumstances are not guaranteed and may be subject to change.
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