The problem isn’t “marine” vs “domestic” - it’s Alternating Current
vs Direct Current
If a switch is used in a DC circuit & that switch is opened under load, an arc
will be produced & will exist for a lot longer than an arc
caused by an AC voltage (since the DC voltage is constant - not alternating). This longer arc causes significant damage to the switch contacts.
If a switch is used in a DC circuit that has an inductive load (ie: pump
motor), the arcing across the switch contacts will be even more severe due to "Back EMF" created by the inductor as it's magnetic field decays.
To answer your question, you can use a quick-make or break (snap-action) AC switch in a DC application, but the circuit voltage must be significantly smaller than that of the AC voltage. At a rough guess, I would say no greater than about 10% - 15%* of the rated AC voltage.
*A commonly applied "rule of thumb" is that switch contacts, relay contacts, contactor contacts and small circuit breaker contacts, That are marked "AC only" can in fact be used on DC, but only at about 10% of the rated voltage.
It must however be stressed that this is only a "rule of thumb", and that such use may well violate the NEC or other codes and regulations
, and/or result in early failure* (usually contact welding - closed).
* Much more likely with a cheap
$1 switch rated 120VAC only, as opposed to a quality $5 switch rated 120/277 VAC.