DIVE BOAT LIABILITY INSURANCE
SHIPOWNERS WE UNDERSTAND THE DIVE BOAT BUSINESS
Quality insurance for the needs of dive boat owners, operators and managers
Specialist Unrivalled cover If it matters to you that your insurers understand We believe our dive boat liability policy is one your business, then Shipowners’ is the right of the most comprehensive liability policies Club for you. available. Every section of the policy is the result of talking with and listening to those We have unrivalled expertise in the dive boat working in your industry, helping us to know sector – owners, operators and managers of what cover you need to operate now and, dive boats around the world look to us to insure more crucially, to anticipate what you may the liability risks they face daily. need in the future. Plain speaking Our Loss Prevention experts are constantly When you insure with us you become a on the lookout for new and emerging risks Member of a Club which believes in keeping which can harm our Members’ business. things simple. Our specialist Dive Boat Liability Insurance policy is designed for the Taken together it all adds up to ensure that dive boat industry, for vessels not exceeding our policy truly meets the needs of dive boat 1,000 GT. It provides a limit of cover up to operators. US$ 500m and has been written in clear, The people paying your claims are easy to understand language. It is supported divers, too by a helping Know your cover guide so that Our Claims team includes individuals with you are never in doubt as to the insurance first-hand knowledge of the perils and pitfalls you have or the approach we will take to claims. of diving, which means that they are able to instantly understand the situation you are describing and make an informed decision on what needs to be done in the event of a claim.
Dive Boat Liability Insurance | 1 SHIPOWNERS THE PROTECTION WE PROVIDE
We will respond to all marine liability claims made against you, other than a small number of clearly identified exclusions.
The liabilities we insure you against We also provide you with include those in relation to: cover against: Collision and property damage Contractual indemnities Divers, guests and others Liability from the supply and use of Diversion costs dive-related products, air and gas Enquiries and proceedings costs Liability to divers and guests whilst off the vessel Fines Piracy Investigation and defence costs Uninsured or underinsured boaters Personal effects War risks. Pollution and environmental liabilities Quarantine costs Stowaways, refugees and life salvage Towage Water sports Wreck removal Your crew.
2 | Dive Boat Liability Insurance Dive Boat Liability Insurance | 3 SHIPOWNERS WHY YOU NEED OUR SPECIALIST DIVE BOAT COVER
You are exposed to risks which others do not have to deal with – these risks need to be covered.
Our dive boat Members are offered wider Dive instructors operate from your vessel cover than other Members, recognising that We not only cover claims made against you scuba diving brings risks which other policy due to your crew’s actions, but also those of holders do not have to deal with. dive instructors, whether they are employed by you or not. Extra crew cover for personal effects We know that diving brings with it a need for You may have liabilities after the dive, specialist gear and equipment. To make sure during no fly time that you have insurance for claims made We give you the extra cover you need to ensure against you for loss of your crew’s belongings, that there is no gap in insurance should your scuba gear and cameras, we give a generous divers stay on board or go ashore for no fly personal effects insurance limit well beyond time after completing their last dive. our normal Club cover. Piracy is a global risk Your crew is your most valuable asset Piracy is becoming ever more prevalent and We cover your liability for crew illness, injury far-reaching. Our Dive Boat Liability Insurance or death and the resultant medical costs. policy provides insurance against any liability Our Claims team works quickly to ensure which you incur as a result of pirate activity that payments are made without delay, against your vessel. Like other marine liability which allows you to maintain your positive underwriters, we leave the insurance of working relationship with valued crew. We kidnap and ransom to specialists. will also pay crew wages if you have a liability to pay these under your crew contracts.
4 | Dive Boat Liability Insurance There is more to living aboard than diving We automatically provide cover for swimming and snorkelling risks. If you require cover for other activities, talk to us and we will be happy to assist. We also cover liability from the supply of food and drinks on board. Off-vessel excursions You may provide divers with the opportunity to go ashore as part of a dive package. You may be responsible for them during these times and if so, you need cover for any liability that arises. Our dive boat policy provides this for you.
Dive Boat Liability Insurance | 5 6 | Dive Boat Liability Insurance SHIPOWNERS WHY YOU NEED OUR SPECIALIST DIVE BOAT COVER
You may supply diving equipment Do you operate near sensitive marine or breathing air and gas environments? You need cover If you supply dive-related products and In addition to the pollution cover which we breathing air and gas, we cover your liability give as standard, we also protect you against for any dive-related illness, personal injury, claims for damage to coral reefs and other death or property damage which results sensitive marine environments when these from their use. are caused by accidents. We also cover resulting fines and penalties. Divers will receive advice and instruction while they are on the boat Learning from our experience Our Dive Boat Liability Insurance policy is We have a dedicated Loss Prevention team not intended to take the place of dive instructor of ex-mariners who, through their experience insurance available under recognised dive and knowledge, issue best practice guidance. training association schemes. It does, however, As a Member, you will have access to a range provide some protection for incidents occurring of case studies and bulletins, as well as advice during the trip, through inadequate dive through publications and other resources. instruction or dive advice when/if you are These provide operators with an insight into held liable. how passenger claims can occur and what can be learnt from the past in order to Your business is at risk if you sign a ensure a safer future. contract with onerous conditions We understand that you may have to enter into contracts with travel agents, tour operators, harbour authorities or others and at times these contracts may include terms which you have little choice but to accept. To ensure you are protected, our Dive Boat Liability Insurance policy automatically covers contractual indemnities you may have to give for bodily injury or property damage.
Dive Boat Liability Insurance | 7 8 | Dive Boat Liability Insurance SHIPOWNERS MUTUALITY BRINGS ADDED VALUE
Claims Fixed premium Our Members tell us that what really matters The premium you pay for our Dive Boat Liability to them is the speed of response on claims Insurance policy is fixed at the beginning of and that we take over and manage the claim each year and unless we are asked to amend for them. To ensure that this happens, we the insurance cover provided, you will not be employ a team of maritime lawyers and expert asked to pay any additional premium. claims handlers committed to this outcome. Additional covers Naturally, your broker is involved at all stages We can also provide Personal Accident and by managing a claim in this way, you are insurance, Charterers’ Liability insurance free to dedicate your time to running your and Legal Assistance and Defence cover. business. The cost of claims handling and legal expenses is met by the Club. High service standards We pride ourselves on the quality of our As well as defending you, we also provide customer service. We are able to support advice and assistance on how best to deal you 24 hours a day, through our offices and with costs and expenses which fall under the Correspondents. As one of our policyholders policy, such as those which follow a crew you will be able to benefit from our Loss repatriation or arranging a substitute crew Prevention advice and free reviews of member. Through our network of marine insurance related contracts. Correspondents across the world, you can also access help and assistance wherever you happen to be operating. All in all, we believe this adds up to the best claims service available in the insurance market.
Dive Boat Liability Insurance | 9 International Group strength and support Important note All our policyholders benefit from the Club’s This brochure provides an overview of the membership of the International Group of liability insurance we can offer you. It is subject P&I Clubs which, between them, provide to the terms and conditions of our policy liability cover for approximately 90% of the wording which we recommend you read world’s ocean-going tonnage. This means carefully and discuss with your broker or the that we qualify as acceptable insurers for Club. Additional terms and conditions may charterers and finance providers anywhere be contained in your Certificate of Insurance in the world. It also means that we can offer and these should also be considered. you the very highest limits of liability cover. Further details about our Dive Boat Liability These limits, readily available to our Members, Insurance can be found on: are simply unobtainable from any non- www.shipownersclub.com/passenger International Group P&I insurer. Security in membership When you become a Member of our Club, you join with 6,000 other small and specialist vessel owners who entrust us with 32,000 of their ships.
10 | Dive Boat Liability Insurance Dive Boat Liability Insurance | 11 12 | Dive Boat Liability Insurance 1115 Dive Boat Liability Insurance | 13 London Singapore St Clare House 6 Temasek Boulevard 30–33 Minories #36–05 Suntec Tower 4 London EC3N 1BP Singapore 038986 T +44 207 488 0911 T +65 6593 0420 F +44 207 480 5806 F +65 6593 0449 E [email protected] E [email protected]
The Shipowners’ Mutual Protection and Indemnity The Shipowners’ Mutual Protection and Indemnity Association (Luxembourg) | 16, Rue Notre-Dame | Association (Luxembourg) | Singapore Branch | L–2240 Luxembourg | Incorporated in Luxembourg | Company No. T08FC7268A RC Luxembourg B14288 www.shipownersclub.com @ShipownersClub The Shipowners’ Club