There is a multitude of biological, mechanical, oceanographic and meteorological parameters, which affect the risk exposure at each site. Therefore the insurers require substantial information to assess this exposure. In order to achieve this a completed application form is required.

The staff of the Aquaculture division of SBJ Ltd. has between them over 50 years experience of fish farming and it's insurance. A combination of hands-on practical experience is combined with an in-depth knowledge of the global insurance market to enable the team to assist fish farmers and risk managers in the design and implementation of insurance protection tailored specifically to an individual's particular requirements.

Clearly there are a large number of biological, oceanographic and engineering issues that impinge on the risk at each individual fish farm and for this reason there are very few insurers involved in this specialist class. All of these considerations must be taken into account when designing bespoke cover for each risk. Covers placed through SBJ Ltd., are predominantly, although not exclusively, underwritten by Lloyd's of London, which is one of the few global insurance markets that will accept this high-risk business.