OK, let's think about this for a second,,,
First off I don't know of boat manufacturers installing fuses at the battery to the wire for the distribution panel. I know that runs from the batteries up to a certain length are exempt from fuse requirements.(six feet?) I'm not sure if that is for all equipment not connected via the distribution panel and I'm not sure that the panel is exempt regardless of distance from the power source,,,but, I suspect it isn't done for a reason. A blown fuse interrupting the ships power panel is a major disabling impediment to safe navigation. Maybe a fuse is needed on steel hulled boats but a short on a glass and wood boat is not likely to burn it down. Let me rephrase that. A cable jacket abraded to the conductor is not likely to short to ground on glass/wood boats. Thusly the failed fuse scenario is a larger threat. Whew! But I'm no expert. Gord?! And I do have a 300 amp fuse at the battery for my inverter and a 60 amp fuse at the battery for my LectraSan. But neither of these go through the distribution panel. GORD HELP! So the question remains, are you guys with fuses installing them yourself? Why? Info from a book, underwriter, surveyor, insurance company?