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Life Insurance, Critical Illness Cover and Income Protection for Fishermen
Example Occupations: Recreational, commercial and industrial fishermen
Possible Risks: Environmental factors, equipment safety, capsizing
Occupational Duties: Navigation, capturing fish, consideration of marine life and habitat
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.
Critical Illness Cover
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.
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