Yacht Insurance
Environmental Exposure
Requires Immediate Response
Pollution liability coverage built to respond at the speed of an incident — addressing cleanup, regulatory response, and third-party claims without gaps in coordination.
A fuel discharge can escalate in hours. Your coverage should be ready before it does.
Our Process
Contain. Comply. Coordinate.
We review your pollution exposure, regulatory obligations, and current P&I coordination to build standalone pollution coverage that responds immediately and cleanly.
Most yacht owners rely on their P&I policy's pollution sublimit — which is typically inadequate and shares the aggregate with crew and third-party claims. We structure standalone pollution programs that provide dedicated limits and comply with OPA 90 requirements.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- P&I pollution sublimit adequacy review
- OPA 90 compliance assessment
- Standalone pollution program options
- No obligation to proceed
Pollution Program Analysis
Program Comparison
Current Program
P&I Sublimit
Optimized Structure
$1M Standalone
Your Pollution Liability Proposal
Review your customized pollution coverage recommendations
Pollution Limit
Current Coverage
P&I Sublimit Only
Annual Premium
$0 standalone
Proposed Coverage
$1M Standalone Policy
Annual Premium
$8,400
Why It Matters
A pollution sublimit inside your P&I is not adequate protection.
OPA 90 requires vessels over a certain size to maintain proof of financial responsibility for pollution. Relying on a P&I sublimit that shares the aggregate with crew and third-party claims creates significant uninsured exposure in the event of a spill.
What We Cover
Every Pollution Exposure, Addressed
From spill response to regulatory fines to third-party claims — every dimension of a pollution incident, properly covered.
Fuel Spill Response
Covers the immediate costs of containing and cleaning up fuel discharges — including emergency response, specialist contractors, and equipment deployment.
Coverage Includes
- Emergency spill containment costs
- Clean-up contractor and equipment
- Disposal of contaminated materials
- 24/7 emergency response coordination
Regulatory Liability
Covers fines, penalties, and regulatory response costs arising from a pollution incident — including investigations by the Coast Guard, EPA, and international authorities.
Coverage Includes
- Government fines and penalties
- Regulatory investigation costs
- OPA 90 financial responsibility
- International MARPOL compliance
Third-Party Claims
Covers damages claimed by third parties — marinas, coastal property owners, fishing operations, and recreational users — whose property or income was affected by a pollution event.
Coverage Includes
- Property damage from pollution
- Loss of income claims from third parties
- Natural resource damage claims
- Legal defense and settlements
Marine Program Coordination
Pollution liability must coordinate cleanly with P&I and hull coverage — ensuring no overlap or gap in the marine program when an incident has multiple dimensions.
Coverage Includes
- Primary pollution trigger defined
- P&I coordination endorsement
- Hull program integration
- Single point of response in a casualty
Your vessel deserves pollution coverage that responds when the environment needs it most.
No obligation. Confidential review. Built around your vessel and operations.