June 26, 2025

Commercial marine operations are inherently risky. From mechanical failure and adverse weather to onboard injuries and cargo damage, even well-run vessels can experience unexpected incidents. When the unthinkable happens, knowing how to respond quickly and correctly can make a significant difference in minimizing operational downtime and financial loss.

At Pacific Ocean Marine Insurance Brokers, Inc., we’ve worked with commercial fishing vessel owners, charter operators, and marine businesses for over 30 years. In that time, we’ve seen the full spectrum of marine claims—and we’ve helped clients resolve them efficiently. This guide outlines the critical steps to take following a commercial marine incident so you can protect your business and streamline the claims process.

Step 1: Prioritize Safety and Contain the Situation

Your first response should always be the safety of your crew, your vessel, and the environment. If there is an injury onboard, administer first aid and notify emergency services if necessary. If there’s a fire, mechanical failure, or fuel spill, take immediate action to mitigate further harm.

In cases of environmental exposure—such as a diesel leak or bilge overflow—it’s crucial to act quickly and report to local environmental authorities as required by law. Your marine insurance provider may also require notification if pollution liability is part of your policy.

Step 2: Document Everything in Detail

Thorough documentation is essential for supporting your claim. As soon as it’s safe to do so, begin compiling the following:

• Time, date, and GPS location of the incident
• Weather and sea conditions at the time of the event
• Names and roles of all crew members on duty
• Photos or videos of damage, injuries, or contributing factors
• Statements from witnesses or crew
• Logs of any communication with the Coast Guard or port authorities

In many cases, the more thorough your documentation, the faster and smoother the claims process will be. Don’t rely solely on memory—contemporaneous records carry more weight.

Step 3: Notify Your Insurance Broker Immediately

Prompt notification is critical. Call your marine insurance broker as soon as possible following the incident. Delays in reporting can sometimes result in reduced coverage or claim denial, especially for time-sensitive policies such as cargo or pollution insurance. At Pacific Ocean Marine, we’ll work directly with the insurance carrier to get your claim started and help you navigate any follow-up requirements.

Step 4: Prevent Further Loss

Once the initial incident has been addressed, it’s your responsibility to prevent any additional damage or liability. This might include:

• Towing the vessel to a safe harbor
• Removing damaged cargo to prevent spoilage
• Securing loose equipment or exposed electrical systems
• Arranging temporary repairs to keep the vessel afloat or operable

Your actions during this period can impact how the claim is handled. Taking reasonable steps to protect your assets and minimize losses demonstrates good faith to your insurer.

Step 5: Cooperate With Adjusters and Surveys

In many commercial marine claims, your insurance carrier will assign a marine surveyor or adjuster to inspect the vessel, review damages, and assess liability. Be prepared to walk them through the timeline, provide access to documentation, and answer follow-up questions.

Being cooperative and transparent will help speed up this phase. If there are delays in scheduling an inspection due to weather or port conditions, notify your broker so they can communicate with the insurer.

Step 6: Monitor the Claim and Stay Involved

A marine insurance claim isn’t over once you submit paperwork. Stay in regular contact with your broker and insurer to ensure progress. Keep a copy of all communications and track timelines for repair approvals, reimbursement checks, or liability determinations.

If your vessel is taken out of service, you may be eligible for Loss of Hire or Business Interruption coverage depending on your policy. These coverages can help offset the income lost while your vessel is undergoing repairs.

Step 7: Review Lessons Learned and Update Coverage

Once the claim is resolved, conduct a thorough debrief with your crew and broker. Identify what led to the incident, how it could be prevented in the future, and whether any gaps in coverage were revealed.

This is also an ideal time to update or expand your marine insurance policy. For example:

• If gear was lost but not fully covered, consider adding nets & gear insurance
• If spoilage occurred during transit, cargo coverage might need enhancement
• If crew injuries led to costly claims, review your P&I or Jones Act coverage limits

At Pacific Ocean Marine, we often use this opportunity to recommend proactive changes that better align with your vessel’s operations and risk profile.

The Value of an Experienced Marine Insurance Broker

Filing a marine insurance claim can be complex. Working with a broker who understands the marine industry—specifically commercial fishing, charter, and working vessels—can be the difference between a frustrating process and a smooth recovery.

As specialists in commercial marine insurance, our team at Pacific Ocean Marine Insurance Brokers, Inc. helps clients navigate the full claims process from incident to resolution. We act as your advocate, communicate with underwriters, and support you through every stage so you can get back on the water quickly and safely.

When incidents happen at sea, your insurance is only as good as the people behind it. Partner with a team that knows your world, speaks your language, and puts your needs first.

Need help reviewing your marine coverage or filing a claim? Contact us today to speak with a marine insurance specialist.