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We have access to several carriers who can insure yachts across the world, but coverage applies only to specified waters you declare for the policy term. Your policy includes a navigation warranty that lists the approved cruising areas and dates, and coverage is limited to those areas.
Yes, if the insurer approves an endorsement before you sail beyond the current limits. You can submit an updated itinerary with regions and dates, along with any requested details on captain experience, crew, safety gear, and storm plans. Pricing or terms may be adjusted.
Policies often restrict or exclude war and sanction zones, areas with elevated piracy risk, and certain passages without prior approval. Many carriers also set distance offshore limits, require a named storm plan in hurricane seasons, and expect compliance with local port and customs rules.
Not exactly — even “worldwide” coverage requires declared operating zones. Carriers rarely insure unrestricted global navigation because risk varies by region. Instead, you can obtain multi-region coverage, where each approved area (like the Caribbean or Mediterranean) is listed in your navigation limits.
Yes, P&I can be structured to include temporary crew, charter guests, and maintenance contractors while on board. You’ll need to disclose these exposures to the underwriter, who may endorse the policy with appropriate guest liability or charter-use provisions.
Protection & Indemnity insurance provides third-party liability protection beyond standard hull policies. It safeguards yacht owners, captains, crew, and guests from financial exposure resulting from accidents, injuries, or damage caused during yacht operations. High-value yacht P&I coverage may include:
Property damage to docks, marinas, and other vessels
Crew injury and employer’s liability
Pollution and environmental cleanup costs
Wreck removal and salvage obligations
Legal defense and maritime fines
This coverage is essential for luxury yacht owners navigating international waters or employing professional crew.
High-value yacht P&I coverage protects owners against bodily injury, property damage, and loss of life claims involving guests, crew, or other third parties. This coverage also extends to legal defense costs and settlements, ensuring owners are financially protected in the event of accidents both on and off the vessel.
Luxury yacht owners benefit from environmental liability coverage, including pollution discharge, fuel spills, and wreck removal expenses required under maritime law. These protections help maintain compliance with international regulations while preventing costly penalties or cleanup expenses that can arise from unforeseen incidents.
High-value P&I policies include crew injury and employer’s liability protection, covering medical costs, lost wages, and repatriation. Coverage can also extend to passengers, guests, and contractors aboard the vessel, ensuring comprehensive protection for everyone involved in yacht operations.
High-value P&I programs are underwritten by experienced marine specialists who understand the global operational range of superyachts. Policies are tailored to meet worldwide navigation requirements, offering legal representation and claims management wherever the yacht sails — from U.S. waters to international destinations.
High-value yacht P&I coverage protects owners against bodily injury, property damage, and loss of life claims involving guests, crew, or other third parties. This coverage also extends to legal defense costs and settlements, ensuring owners are financially protected in the event of accidents both on and off the vessel.
Luxury yacht owners benefit from environmental liability coverage, including pollution discharge, fuel spills, and wreck removal expenses required under maritime law. These protections help maintain compliance with international regulations while preventing costly penalties or cleanup expenses that can arise from unforeseen incidents.
High-value P&I policies include crew injury and employer’s liability protection, covering medical costs, lost wages, and repatriation. Coverage can also extend to passengers, guests, and contractors aboard the vessel, ensuring comprehensive protection for everyone involved in yacht operations.
High-value P&I programs are underwritten by experienced marine specialists who understand the global operational range of superyachts. Policies are tailored to meet worldwide navigation requirements, offering legal representation and claims management wherever the yacht sails — from U.S. waters to international destinations.
