When we say we insure the seafood industry, we include seafood growers, fishers, processors, packers, wholesalers, retailers, and anyone in between.  We love insuring this industry because, although there may be some similarities, no two businesses are the same.  The industry is filled with fiercely independent and hard working people.  You know your business better than anyone.  We are here to help you protect what you have worked so hard to build.

Are you worried about a claim against you for food born illness?  What about spoilage?  How much stock would you loose if you lost power to your coolers for an extended period of time?  Paying too much for workers' compensation?  Need to know your watercraft is properly insured?  Whatever your insurance questions or needs, we can help.

McCaleb-Metzler developed a hard-earned niche in this industry the old fashioned way - by working to understand our clients.  We have been in this industry long enough to see many insurance mistakes, and how to help you avoid them.  If you are in the seafood industry, let our expertise work for you.

Risk Exposures:

• Product:  Contamination can be caused from any number of factors during handling/processing, or may be in the product when harvested.  Contamination can cause severe illness, permanent injury, or even death of customers.
• Equipment breakdown, particularly for refrigerated stock.  Pump breakdown for live stock.
• Inland Marine:  For product in transit, there is a risk of loss should the truck break down.
• If cooking and/or canning are performed, heating and cooking equipment must be well maintained to prevent fire.
• Property:  Proper valuation needed for refrigerated premises.
• Commercial Auto & Truck exposure is a consideration, especially if you deliver your product.  Driver controls are recommended.
• Premises Liability:  Clearly laid out locations for customers verses shipping and receiving.  Truck movements must be controlled.  Slip-and-falls in association with premises.  Parking lots must be well maintained and lit.
• Workers Compensation due to moving equipment, cleaning, scaling, lifting, water exposure, and USL&H.
• Hired and non-owned Auto:  exposure due to employees driving their own vehicles between locations or doing business errands in their own vehicles.  Company renting/leasing of vehicles, even as a temporary replacement, is a sometimes overlooked exposure.
• See further insurance risk detail as needed by clicking Fish Packers, Canneries, Frozen Foods, Fish Markets, or Prepared Foods.

Coverages Needed

• General Liability
• Property:  Buildings, inventory, stock (including live stock), computer systems, equipment, and goods in transit.
• Inland Marine:  Equipment breakdown, including consequential loss of stock.
• Commercial Auto & Truck
• Workers Compensation - including USL&H in some circumstances.
• For full definitions of coverages, see our Business Insurance Information page.