Yacht Insurance
Liability Coverage for
Crew, Guests & Operations
P&I insurance built around the real liabilities of yacht ownership — crew injuries, guest incidents, third-party claims, and the contractual obligations of charter operations.
Properly coordinated with your hull program — limits, defense costs, and response aligned from day one.
Our Process
Assess. Align. Defend.
We review your P&I limits, crew protection structure, and coordination with hull coverage to ensure your liability program responds fully and cleanly when a claim arises.
Our advisors analyze your P&I limit adequacy, crew benefit structure, contractual requirements, and coordination with hull coverage — ensuring that when a serious crew injury or third-party claim occurs, there are no gaps in your response.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- P&I limit adequacy review
- Crew benefits structure analysis
- Hull and P&I coordination check
- No obligation to proceed
P&I Program Analysis
Program Comparison
Current Program
$42,000
Optimized Structure
$36,800
Your P&I Proposal
Review your customized Protection & Indemnity recommendations
P&I Limit
Current Coverage
$3M P&I
Annual Premium
$42,000
Proposed Coverage
$10M P&I
Annual Premium
$36,800
Why It Matters
A crew injury or guest incident can cost more than the vessel is worth.
Serious personal injury claims in maritime jurisdictions can result in judgments far exceeding standard P&I limits. For owners who operate crew, carry guests, or charter their vessel, adequate P&I limits with properly structured defense costs are non-negotiable.
What We Cover
Every Liability of Yacht Ownership
From crew injuries to third-party damage to contractual requirements — every P&I exposure, properly addressed.
Crew & Passenger Liability
Covers bodily injury and illness claims from crew members and passengers — including medical expenses, lost wages, and death benefits arising from vessel operations.
Coverage Includes
- Crew injury and illness benefits
- Passenger bodily injury claims
- Medical repatriation costs
- Death and disability benefits
Third-Party Property Damage
Covers damage caused by your vessel to other boats, docks, marina structures, and property — including collision liability and fixed object damage.
Coverage Includes
- Collision with other vessels
- Dock and marina structure damage
- Fixed and floating object damage
- Cargo and property in your care
Contractual & Charter Liability
When operating under charter agreements, management contracts, or flag state requirements, P&I ensures your contractual liability obligations are met.
Coverage Includes
- Charter agreement liability requirements
- Management company indemnities
- Flag state and port authority requirements
- Salvage and wreck removal liability
Defense & Legal Response
P&I covers the full cost of defending claims — legal fees, expert witnesses, survey costs, and court expenses — without eroding the liability limit.
Coverage Includes
- Attorney fees and court costs
- Expert and surveyor fees
- Defense costs outside limits
- Emergency response coordination
Your crew and guests deserve P&I coverage that responds fully.
No obligation. Confidential review. Built around your vessel and crew.