- Bodily injury or property damage caused by the fault or negligence of the Insured or any of his employees engaged in the Insured’s business or by any defect in the Insured’s premises, ways, works, machinery or plant used in the Insured’s business. - Loss of or damage to Aircraft or Aircraft equipment, not owned, rented or leased by the Insured, whilst on the ground in the care, custody or control of or whilst being serviced, handled or maintained by the Insured
or any servant of the Insured.
- Bodily injury or property damage arising out of the possession, use, consumption or handling of any goods or products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by the Insured or his employees, but only in respect of such goods or products which form part of or are used in
conjunction with aircraft, and then only after such goods or products have ceased to be in the possession or under the control of the Insured.

 - Loss of or damage to robes, wearing apparel, personal effects or merchandise of any description.
- Loss of or damage to Aircraft or Aircraft equipment, hired or leased by or loaned to the Insured.
- Loss of or damage to any Aircraft while in flight as defined.
- Damage to the property of the Insured or to property within his care, custody or control.
- The cost of repairing or replacing any defective goods or products manufactured, constructed, altered,repaired, serviced, treated, sold, supplied or distributed by the Insured or any defective part or parts thereof.
- Loss arising out of improper or inadequate performance, design or specification but this exclusion shall be deemed not to apply to bodily injury or property damage as insured hereby resulting therefrom.
- Loss of use of any Aircraft not actually lost or damaged in an accident giving rise to a claim
hereunder.

The coverage is usually provided for a period of one year.

The sum insured is referred to as Limit of Indemnity.
This limit is fixed per accident and per policy period which is called Any One Accident (AOA) limit and Any One Year (AOY) limit respectively.

Airport-Airfield Owners/Operators Insurance is designed to protect airport and airfield owners/operators from liabilities and risks associated with their operations. This includes damages or injuries that may occur on airport property or as a result of airport operations, including those arising from air traffic control, maintenance, and security.
The Claim Process for Airport-Airfield Owners/Operators Insurance:

• Incident Occurrence: Once an incident takes place at the airport or airfield that could lead to a potential claim, it should be meticulously documented.
• Immediate Notification: The insured party (e.g., airport authority or operator) should swiftly inform their insurance company about the incident, detailing the initial information available.
• Claim Initiation: A claim process commences, usually by filling out a dedicated claim form provided by the insurer.
• Submission of Documentation: The insured submits all necessary documents to support their claim, such as incident reports, photos, or CCTV footage.
• Investigation & Assessment: The insurer will initiate an investigation to verify the details of the incident. They may send adjusters or experts to the scene, interview witnesses, and assess damages.
• Determination of Liability: Once the investigation is complete, the insurer will ascertain if the policy covers the incident and determine the airport/airfield operator's liability.
• Settlement & Compensation: If the claim is validated, the insurer will calculate the appropriate compensation and settle the claim either by reimbursing the insured or compensating third parties directly.

• Policy Documentation: A copy of the Airport-Airfield Owners/Operators Insurance policy, detailing the terms and policy number.
• Claim Form: A fully completed claim form, specific to the incident type.
• Detailed Incident Report: A comprehensive report, usually from the airport's safety and security team, outlining the circumstances of the incident.
• CCTV and Photographic Evidence: Relevant CCTV clips or photographs that provide a visual account of the incident.
• Eyewitness Statements: Testimonies from any individuals who observed or were involved in the event.
• Site Diagrams or Maps: Layouts or diagrams that can assist in clarifying the location and context of the incident.
• Medical Documentation: If there were injuries, medical records that describe the nature and degree of such injuries, along with any treatments administered.
• Reports from Authorities: Any reports or notices from regulatory bodies or police that relate to the incident.
• Financial Loss Documentation: Receipts, bills, or other monetary documents that indicate any financial losses resulting from the incident.
• Correspondence Records: Copies of any communications concerning the incident, be it emails, letters, or notices.
• Additional Relevant Documents: Depending on the claim's nature and the incident's specifics, there may be other essential documents that should be included.

• Third party motor vehicle property damage liability
• Third party motor vehicle bodily injury liability
• Third party general property damage liability
• Third party general bodily injury liability
• Third party war and allied perils liability
• Personal injury liability
• All legal costs and expenses are payable

• Work on airport runways and manoeuvring
• areas for aircraft are excluded
• Punitive and exemplary damages

The coverage is usually provided for a period of one year.

The sum insured is referred to as Limit of Indemnity.
This limit is fixed per accident and per policy period which is called Any One Accident (AOA) limit and Any One Year (AOY) limit respectively.

Airside Liability Insurance Scheme makes it easy
for contractors and concessionaires to obtain the necessary insurance to protect themselves and satisfy the requirements of airport authorities.

Airside Liability Insurance is designed to cover damages or injuries that may occur in the airside areas of airports. These areas typically include runways, taxiways, apron areas, and any other places aircraft move or are parked. Such insurance is essential for businesses operating in these areas, as they're exposed to unique risks associated with aircraft and their operations.
The Claim Process for Airside Liability Insurance:

• Incident Occurrence: Upon the occurrence of an incident in the airside area, it should be immediately documented in detail.
• Immediate Notification: The insured party (e.g., ground handling service, refuelling service, or any other company operating airside) should promptly inform their insurance provider about the incident, sharing the preliminary details available.
• Claim Initiation: The insured initiates the claim, usually through a specialized claim form provided by the insurer for this kind of incident.
• Submission of Documentation: Submit all relevant documents to support the claim. This might include incident reports, photographs, or even CCTV footage from the airside.
• Investigation & Assessment: The insurance company may conduct an independent investigation to verify the claim's details. They might send claims adjusters or specialists to assess the scene, interview witnesses, and determine the extent of damages or injuries.
• Determination of Liability: Post-investigation, the insurance company will ascertain coverage applicability and determine the liability of the insured party.
• Settlement & Compensation: If the claim is validated, the insurance company calculates the appropriate compensation amount and proceeds with the settlement, whether by reimbursing the insured or directly compensating third parties.

• Liability to Property of Principal
• Liability to Passengers

Transportation Extension
Reinstatement of Sum insured

This policy does not cover certain losses such as:

• War and war like perils
• Terrorism

The coverage is usually provided for a period of one year.

The sum insured is referred to as Limit of Indemnity.
This limit is fixed per accident and per policy period which is called Any One Accident (AOA) limit and Any One Year (AOY) limit respectively.

Food and drinks extention is automatically covered

The Claim Process for Aviation Contractors Insurance:

• Incident Occurrence: Once an incident occurs, it's vital for it to be documented in detail. For example, if there's an accident during maintenance leading to damage or injury, it should be recorded.
• Immediate Notification: Notify the insurance provider as soon as possible after the incident. Timely information allows the insurer to provide guidance on the next steps and can expedite the claim process.
• Claim Initiation: Begin the formal claim process using the insurer's specific claim forms or online tools.
• Collection of Evidence: Gather all pertinent documentation, photographs, video evidence, or any other relevant information that provides insight into the incident.
• Investigation: The insurance company may decide to send a claims adjuster or specialist to review the incident in person, interview personnel, and gauge the extent of damages or injuries.
• Determination: After the investigation, the insurer will determine the liability, verify if the incident falls under the policy's cover, and estimate the compensation.
• Settlement: If the claim is approved, the insurer will calculate the appropriate compensation and move forward with the payment process.

Premises liability – covers your liability to other people and their property while they are visiting your premises.
Hangar keeper’s liability – covers your liability for other people’s aircraft while in your care, custody and control, whether for hangarage or maintenance.

War Hijacking and other perils
Personal Injury
Space coverage

This policy does not cover certain losses such as:

• Workmen Compensation
• Faulty workmanship
• War Hijacking and other perils
• Nuclear Risk
• Punitive Damages
• Environmental Risks
• Professional Indemnity
• Space coverage

The coverage is usually provided for a period of one year.

The sum insured is referred to as Limit of Indemnity.
This limit is fixed per accident and per policy period which is called Any One Accident (AOA) limit and Any One Year (AOY) limit respectively.

• Property Protection: Provides coverage for damage or loss to aircraft, equipment, and property stored within the premises or hangar against perils like fire, theft, vandalism, and natural disasters.
• Liability Coverage: Protects the policyholder against legal liabilities arising from damage to third-party aircraft or property while under the policyholder's care, custody, or control.
• Legal Defense: Covers legal expenses incurred in defending against claims and lawsuits related to property damage or injuries that occurred within the premises or hangar.
• Business Continuity: Ensures continuity of aviation operations by minimizing financial setbacks caused by property damage or legal claims.
• Risk Mitigation: Enhances the hangar or premise owner's ability to manage and mitigate risks associated with aviation property and operations.

• Valuation and Documentation: Accurate valuation of aircraft, equipment, and property stored in the hangar is essential to ensure appropriate coverage. Maintain proper documentation of assets.
• Risk Management: Implement safety measures, fire prevention systems, and security protocols to minimize the likelihood of losses and potential insurance claims.
• Review Coverage Limits: Regularly assess coverage limits based on the value of stored property, inflation, and business growth to ensure adequate protection.
• Liability Considerations: Understand the scope of liability coverage and ensure it aligns with the level of care, custody, and control maintained over third-party property.
• Hangar Maintenance: Keep the hangar in good condition to prevent property damage due to environmental factors and structural issues.
• Emergency Response: Establish clear procedures for responding to emergencies such as fires, natural disasters, and accidents within the premises.
• Consultation: Seek advice from aviation insurance experts to customize coverage to match the unique needs and risks of the aviation premise or hangar operations.
• Claim Process: Familiarize yourself with the claims process, including reporting requirements, documentation, and timelines for prompt claims settlement.
• Policy Exclusions: Understand the policy's exclusions, such as wear and tear, intentional damage, and specific aircraft types not covered.
• Compliance: Ensure compliance with local regulations and safety standards related to aviation hangar and premises.
• Insurance Review: Regularly review and update the insurance policy to ensure it remains aligned with the evolving needs of the aviation business.

Aviation Premise Hangar Keepers Insurance is specifically designed to protect the owners or operators of airport facilities against liability claims arising from accidents or incidents that occur within their premises. This includes hangars where aircraft are stored, maintained, or repaired.
The Claim Process for Aviation Premise Hangar Keepers Insurance:

• Incident Occurrence: When an incident or accident happens within the hangar or on the premises, it's important to document all details of the event.
• Immediate Notification: The insurer should be informed promptly. Quick reporting often allows the insurer to give immediate feedback or guidance on necessary steps.
• Claim Initiation: Start the official claim process using the provided claim forms or online portal specific to the insurance company.
• Gather Evidence: Collect necessary documentation, which can include photographs, video recordings, and any other pertinent information that can clarify the incident's nature.
• Investigation: The insurer might dispatch a claims adjuster or a specialist to conduct an onsite investigation. They might review damages, interview witnesses, and gauge the scope of liability.
• Determination: After completing the investigation, the insurance company will determine the legitimacy of the claim, evaluate if the accident falls under policy coverage, and decide on the compensation amount.
• Settlement: If the claim gets the green light, the insurance company will finalize the compensation amount and proceed with the payout.

• Policy Document: Ensure you have a copy of the complete insurance policy, focusing on terms, conditions, and exclusions.
• Claim Form: The form should be filled out comprehensively, detailing the incident.
• Detailed Incident Report: A comprehensive breakdown of the incident, including date, time, and a description of what occurred.
• Photographic/Video Evidence: High-resolution pictures or videos capturing the scene, damages, or any other critical aspects of the incident.
• Eyewitness Testimonies: Accounts or statements from any witnesses can provide a clearer and objective perspective on the event.
• Logs or Records: If available, maintenance logs, entry and exit logs, or other related documents can be crucial, especially if aircraft repairs or maintenance were involved.
• Medical Documentation: If injuries occurred due to the incident, ensure you have medical reports, bills, and any other related documents.
• Damage Evaluation Reports: Reports detailing the damage extent on aircraft or equipment and the anticipated repair or replacement costs.
• Correspondence: Maintain copies of all communications related to the incident. This could be letters, emails, or notifications.
• Immediate Expense Receipts: If there were any immediate expenses due to the incident, ensure you have all receipts or invoices.
• Regulatory Reports: If the incident was severe enough to require reporting to aviation authorities or regulators, keep copies of those reports.

• Hull Damage: Provides coverage for physical damage to aircraft due to accidents, collisions, fire, theft, and other perils.
• Third-Party Liability: Protects against legal liabilities arising from bodily injury or property damage caused by the insured aircraft to third parties.
• Passenger Liability: Offers coverage for bodily injury or death of passengers on board the insured aircraft.
• Cargo Liability: Covers damage or loss of cargo carried by the insured aircraft.
• Medical Payments: Provides medical expenses coverage for injuries sustained by passengers and crew members.
• Emergency Medical Evacuation: Offers coverage for medical evacuation and related expenses.
• Emergency Medical Evacuation: Offers coverage for medical evacuation and related expenses.

Extensions can include:

• War and Terrorism Coverage: Adding coverage for losses caused by war, hijacking, and acts of terrorism.
• Loss of License: Extending coverage to include compensation for pilots and crew members in case they lose their licenses due to accidents or health issues.

• Wear and Tear: Damage due to wear and tear or inadequate maintenance.
• Intentional Acts: Damage or losses resulting from intentional acts or gross negligence.
• Unauthorized Use: Damage or losses that occur when the aircraft is used without authorization.

The period of insurance for Business and General Aviation Fleet Insurance is typically annual, with the option to renew the policy.

Business Jet Insurance covers:

• Hull Damage: Provides coverage for physical damage to the jet due to accidents, collisions, fire, theft, and other perils.
• Passenger Liability: Offers coverage for bodily injury or death of passengers on board the insured jet.
• Medical Payments: Provides medical expenses coverage for injuries sustained by passengers and crew members.
• Hangarkeeper's Liability: Covers legal liabilities arising from damage to third-party aircraft or property under the policyholder's care, custody, or control.

• War and Terrorism Coverage: Adding coverage for losses caused by war, hijacking, and acts of terrorism.
• Loss of Use: Extending coverage to include compensation for loss of use of the jet during repairs after an accident.
• In-flight Coverage: Including coverage for damages occurring during flight operations.

• Wear and Tear: Damage due to wear and tear or inadequate maintenance.
• Intentional Acts: Damage or losses resulting from intentional acts or gross negligence.
• Unauthorized Use: Damage or losses that occur when the jet is used without authorization.

The period of insurance for Business Jet Insurance is typically annual, with the option to renew the policy.

Fuelling Liability Quest Insurance covers:

• Third-Party Liability: Protects the policyholder against legal liabilities resulting from accidental fuel-related damage or injury to third parties, including aircraft, property, and individuals.
• Property Damage: Provides coverage for damage to aircraft, equipment, and property caused by fuel-related incidents during fueling operations.
• Bodily Injury: Offers coverage for bodily injuries sustained by third parties due to fuel-related accidents.

Extensions can include:

• Environmental Liability: Extending coverage to address environmental liabilities arising from fuel spills, contamination, and cleanup costs.
• Sudden and Accidental Pollution: Adding coverage for sudden and accidental pollution events caused by fuel leaks or spills.

Exclusions might involve:

• Intentional Acts: Damage or losses resulting from intentional acts or gross negligence.
• Pre-Existing Conditions: Damage or losses that were pre-existing before the policy inception.
• War and Terrorism: Liabilities arising from war, acts of terrorism, or related events.

The period of insurance for Fuelling Liability Quest Insurance is typically annual, with options for policy renewal.

The sum insured is determined based on factors such as the volume of fuelling operations, the nature of the aviation facility, and the potential liabilities.

• Liability Protection: Offers financial protection against liabilities arising from fuelling-related accidents and damages.
• Legal Défense: Covers legal expenses incurred in defending against claims and lawsuits related to fuelling operations.
• Risk Mitigation: Helps aviation businesses manage and mitigate the financial risks associated with fuelling activities.

• Safety Protocols: Implement strict safety protocols and training for fuelling operations to minimize the likelihood of accidents and liabilities.
• Regular Training: Provide ongoing training to personnel involved in fuelling operations to ensure compliance with safety standards.
• Claim Procedures: Familiarize yourself with the claims process, documentation requirements, and reporting procedures for efficient claims settlement.
• Risk Assessment: Conduct regular risk assessments to identify potential hazards and implement preventive measures.
• Emergency Response: Establish clear procedures for responding to fuel-related accidents, including containment and cleanup protocols.
• Compliance: Ensure compliance with local regulations and safety standards related to aviation fuelling operations.
• Policy Review: Regularly review and update the insurance policy to adapt to changes in fuelling operations and business needs.

While "Fuelling Liability Quest Insurance" isn't a universally recognized term in the insurance industry as of my last update in September 2021, I can provide you with a general overview of what a fuelling liability insurance claim process might entail. Fuelling liability insurance would typically cover damages or losses arising from the process of refuelling, be it vehicles, aircraft, or other machinery.

The Claim Process for Fuelling Liability Insurance:

• Incident Occurrence: In the event of an accident or incident during refuelling, ensure the immediate safety of all involved, and follow any mandatory emergency protocols.
• Immediate Notification: As soon as it's safe to do so, contact your insurance provider to inform them of the incident. Even if you're unsure about claiming, this immediate notification can be beneficial.
• Claim Initiation: Start the claims process either through the insurance provider's online portal, if available, or by directly contacting their claims department.
• Gathering Documentation: Accumulate all necessary documents, photographs, and other evidence related to the incident.
• Investigation: Depending on the incident's severity and the potential claim amount, the insurance company might send an adjuster or investigator to assess the situation.
• Claim Evaluation: Once the investigation is complete, the insurance company will review the policy's terms to determine the eligibility and amount of compensation.
• Settlement: If the claim is approved, the insurance provider will finalize the compensation amount and process the payout.
The Claim Checklist for Fuelling Liability Insurance:
• Policy Document: A copy of your insurance policy that provides coverage specifics.
• Claim Form: A form provided by the insurance company detailing the incident.
• Detailed Report: An account of the incident, noting the date, time, location, and sequence of events.
• Photographic Evidence: Clear photographs of any damage, spillage, or injuries related to the fuelling incident.
• Witness Statements: If there were witnesses, gather their accounts in written or recorded form.
• Safety Protocols: Documentation of safety protocols followed during the refuelling process.
• Damage Evaluation: Estimates or quotes on the repair costs of any damage caused due to the incident.
• Medical Reports: If there were any injuries, include comprehensive medical reports, bills, and treatment details.
• Official Reports: Any reports from relevant authorities or regulatory bodies concerning the incident.
• Communication Records: Any correspondence related to the incident, be it emails, letters, or other communication forms.

It provides for the loss and damage to goods in the care, custody and control of the haulier in accordance with standard trading conditions or under International Conventions such as CMR (Convention on the Contract for the International Carriage of Goods by Road) and also under Common Law.

It Covers :Loss or damage to cargo, containers, vessels or vehicles belonging to other party
Coverage to transport equipment belonging to other party
Liability against third parties
Error and Omission

-Legal costs
-Hauliers' property
-Debris removal
-Containers
-Legal liability for consequential loss
-Drivers' personal effects
-Commercial considerations
-Frozen food
-Trailers

-Inner limits are applied to most goods deemed very attractive to thieves, such as precious stones or metals, bottle spirits, tobacco, computers, nonferrous metals and mobile phones.
-Theft restrictions designate when a haulier is liable for damage or loss of goods due to theft, such as failing to leave a trailer in an enclosed premises overnight.
-Claims conditions specify that the haulier must not make any admission, offer, promise or payment without the insurer's prior consent.
-Loss or damage while someone other than the haulier is driving the haulier's vehicle will not be covered.
-Radiation
-Terrorism
-War
-Riots

Protects the shipowner from a daily loss of income arising from physical damage to the vessel.
Hiring the vessel out to another party to use for their own purposes (subject of course to the terms and conditions of the hire agreement). This contract will be for a period of time is known as chartering. The ship owner can earn charter hire which will normally be paid on a monthly basis for however long the arrangement is, which might be a year or might be far longer such as 5 years.

Carrying cargo - this is where a ship may be hired for a single voyage by one party who has a large amount of cargo to transport, or the shipowner just hires out space within the ship to a large number of different parties. He will charge each party freight - which is the price for getting the goods to destination. Unless the agreement says anything different the freight, or price being paid for the goods to be transported is only due and payable when the goods arrive at their destination. Even if the goods are damaged, as long as they are recognisable, the freight is due and payable although the shipowner often finds himself in a situation where the cargo owner wants to make a claim for damage to the goods and at the same time refuses the pay the freight even though the two issues are separate and distinct.
Carrying passengers each of whom will have purchased a ticket for their journey

There are no particular extensions that are regularly provided for these types of insurance, although the shipowner will want to try and get the waiting period for loss of hire insurance as low as he can and the payout period as high as he can.

- War
- Strikes
- Malicious acts
- Actual and constructive total loss.
-Non-physical blocking of a vessel (e.g. by order from authorities).

Loss of licence insurance provides financial help for all commercial pilots including flight instructors to help them prepare for an alternative career should their flying career be brought to an abrupt end. Loss of license insurance policies can provide either a lump-sum payment if the license is lost permanently or a monthly income if the license is suspended and in certain instances will be capped up to maximum five year duration.

Pre-Existing conditions are not covered

This policy covers:

• Loss or damage to watercraft in your physical legal care
• Custody or control and including watercraft in your care
• Custody and control solely for the purpose of being stored
• Property damage
• Personal injury
• Products liability
• Consequential loss
• Pollution risks
• Premises occupier’s liability
• Berth occupier’s liability
• Hot work liability
• Removal of wreck liability
• Subcontractors liability
• Temporary hire of equipment liability

Defence and costs cover- legal defence, investigation and mitigation costs.
First aid -any reasonable costs incurred by you for first aid rendered to third parties at the time of any personal injury.
Extended hot work- hot work carried out on or near watercraft previously engaged in carrying explosives, ammunition or
inflammable liquids or gasses or any work on or near any fuel tank, fuel pipeline or fuel bunker space.

This policy does not cover loss destruction or damage Occasioned by or happening through :

• Aircraft and watercraft
• Contractual liability- liability assumed by any contract or agreement.
• Defective product- the need to replace a defective product where it is manufactured by a third party.
• Employment liability
• Exceeding capacity- you knowingly exceeding the registered or rated capacity of any lift device, slipway or dry-dock.
• Faulty design
• Fines, penalties and punitive damages
• Infidelity
• Libel, slander and defamation
• Nuclear, Chemical, Biological, Bio-Chemical and Electromagnetic Weapons
• Other consequential loss
• Product recall
• Professional advice
• Property in your physical or legal control
• Reckless conduct- the deliberate, reckless or wilful conduct of you or your subcontractors.
• War and Terrorism

The coverage is usually provided for a period of one year.

The sum insured is referred to as Limit of Indemnity.
This limit is fixed per accident and per policy period which is called Any One Accident (AOA) limit and Any One Year (AOY) limit respectively.

• Liability Coverage: Offers protection against legal liabilities arising from bodily injury, property damage, or pollution caused by the insured's marine operations.
• Third-Party Protection: Provides coverage for claims made by third parties, including crew members, passengers, and other vessels.
• Pollution Liability: Covers costs related to pollution incidents caused by the insured's marine operations, including cleanup expenses and legal fees.
• Legal Defense: Assists in covering legal expenses associated with defending against liability claims and lawsuits.
• Financial Security: Helps marine operators manage and mitigate potential financial losses resulting from accidents and liabilities.

• Marine Operations Assessment: Accurate assessment of the scope and nature of marine operations is crucial for determining adequate coverage.
• Risk Management: Implement rigorous safety measures and operational protocols to minimize the likelihood of accidents and liabilities.
• Pollution Prevention: Adopt environmentally friendly practices to prevent pollution incidents and minimize the potential environmental impact.
• Regulatory Compliance: Ensure compliance with local and international maritime regulations and standards.
• Claims Procedure: Familiarize yourself with the claims process, documentation requirements, and reporting procedures for efficient claims settlement.
• Vessel Maintenance: Regular maintenance and inspection of vessels are essential to prevent accidents and ensure eligibility for coverage.
• Contractual Requirements: Review contracts and agreements to ensure compliance with insurance requirements and understand the scope of coverage.
• Policy Exclusions: Understand the policy's exclusions, such as intentional acts and certain types of vessels not covered.
• Loss Prevention: Work closely with marine insurance experts to identify potential risks, implement loss prevention strategies, and tailor coverage accordingly.
• Regular Review: Periodically review and update the insurance policy to adapt to changes in marine operations, business growth, and regulatory changes.

Marine Operators Liability Insurance is designed to protect marine businesses against liabilities arising out of their operations. This insurance typically covers damages to third-party property, injury to third parties, and other risks that marine operators might face.

The Claim Process for Marine Operators Liability Insurance:

• Immediate Notification: Upon occurrence or identification of an incident that might lead to a claim, immediately notify the insurance provider. Timely notification is often a condition for coverage.
• Document the Incident: Gather as much information as possible about the incident. This can include photos, witness statements, and any other relevant documentation that can provide a clear picture of what occurred.
• Initiate a Claim: Contact your insurance agent or broker to initiate the claims process. They may provide you with specific instructions or forms to complete.
• Cooperate with the Insurer: The insurance company might launch an investigation to determine the circumstances of the incident. It's essential to cooperate fully with any investigations, providing all requested documentation and information.
• Assessment by the Insurer: Based on the findings of their investigation and the terms of the policy, the insurer will decide on the validity of the claim.
• Settlement or Denial: After assessing the claim, the insurer will either offer a settlement or deny the claim. If a settlement is offered, it's important to review it thoroughly before acceptance. If the claim is denied, inquire about the appeal procedures.

• Claim Form: A duly filled-out claim form provided by the insurance company specific to marine operator liabilities.
• Incident Documentation: Photographs, videos, or any other evidence documenting the incident and the resulting damages or injuries.
• Witness Statements: Collect and provide statements from any witnesses present during the incident.
• Operational Records: Depending on the nature of the incident, the insurer may request logs, maintenance records, or other operational documents that could provide insights into the event's circumstances.
• Communication Records: Any written communications or correspondences related to the incident. This could include communications with the affected third party, authorities, or others.
• Expense Documentation: If there were any expenses incurred as a direct result of the incident, such as repair costs, provide the receipts or bills.
• Legal Notices or Letters: If the affected third party has initiated legal action or sent any notices, provide copies to the insurance company.
• Previous Incident Records: If relevant and requested, provide details and documentation of prior incidents or claims.

• Damage or loss (total or constructive) during the period of building, trials and Putting afloat
• Pollution
• Building defects
• General Average and salvage of the vessel
• Collision
• Expenses aimed at preventing, minimising of loss and assessment of the damage extent

• Launching and Transit: Extending coverage to include the launching of the vessel and transit to its intended location.
• Additional Perils: Adding coverage for specific perils such as earthquakes, hurricanes, and other natural disasters.
• Delay in Start-Up: Including coverage for financial losses due to delays in the completion of the project and vessel launch.
• Protection and Indemnity (P&I): Extending coverage to include liability for third-party bodily injury, property damage, and pollution claims.

This policy does not cover losses such as :

• Tools and Equipment
• Flawed Workmanship
• Employee Theft
• Your Vehicle
• Soft Costs like Legal fees,Construction loan interest,Equipment rentals
• Earthquakes and Flooding
• Nuclear Accidents

The coverage is usually provided for a period of one year.

For Part I Hull Section -Value of the Hull should be Insured.
Part II Liability Section-Depending on exposure, the proposer has to fix two limits of indemnity under the policy:
Any One Accident (AOA)
Any One Year (AOY)

Property Protection: Provides coverage for physical loss or damage to the vessel and its components during the construction or conversion process.

• Financial Security: Offers financial protection to builders, owners, and investors against unexpected losses and costs.
• Risk Transfer: Transfers the risk of potential losses during the construction phase from the builder to the insurance provider.
• Project Continuity: Ensures that the construction project can continue even in the face of unexpected damages or losses.
• Safeguarding Investments: Protects the investments of builders, financiers, and vessel owners by ensuring that the project stays on track and budget.

• Accurate Valuation: Accurate valuation of the vessel and its components is crucial to ensure that the coverage adequately reflects the value of the project.
• Proper Documentation: Maintain detailed records of the construction process, including plans, specifications, and progress reports, to facilitate claims processing.
• Risk Management: Implement comprehensive risk management strategies to prevent construction delays and mitigate potential hazards.
• Expert Consultation: Work closely with marine insurance experts and legal advisors to tailor the policy to the specific needs of the construction project.
• Vessel Inspection: Regular inspections during construction are important to identify potential issues and ensure compliance with safety standards.
• Claims Process: Familiarize yourself with the claims process, documentation requirements, and reporting procedures to ensure efficient claims settlement.
• Contractual Considerations: Ensure that the policy aligns with contractual requirements and obligations between various parties involved in the project.
• Period of Coverage: Determine the period of insurance carefully to cover the entire construction period, including potential delays.
• Policy Exclusions: Understand the policy's exclusions, such as intentional acts, wear and tear, and other specific exclusions that may apply.
• Regular Review: Periodically review and update the insurance policy to adapt to changes in the construction project, scope, and timelines.

The Claim Process for Marine Builders Risk Insurance:

• Immediate Notification: As soon as a loss or damage occurs that might result in a claim, it's crucial to notify the insurance company without delay. The policy might have specific time frames for notification./li>
• Document the Damage: Take photos and videos of the affected areas, materials, and equipment. This helps provide a clear understanding of the extent and nature of the damage./li>
• Preserve the Affected Areas: If possible, try not to disturb the damaged areas, as the insurance company may want to send an adjuster or surveyor for inspection./li>
• Submit a Preliminary Claim: Reach out to your insurance broker or agent to understand the preliminary steps in initiating a claim. They may provide a claim form or guide you on the information required./li>
• Investigation: The insurance company will typically carry out an investigation to understand the circumstances of the damage or loss. They might hire marine surveyors or other specialists for this purpose./li>
• Claim Review: After the investigation, the insurer will review the circumstances against the policy's terms to determine the validity of the claim./li>
• Settlement or Denial: If the insurer approves the claim, they'll propose a settlement amount based on the policy's terms and the damage assessment. If they deny the claim, they should provide a reason for denial, and you can potentially dispute it if you disagree.

• Claim Form: A fully completed claim form as provided by the insurance company, detailing the incident./li>
• Photographic Evidence: Clear photos and videos showing the extent and nature of the damage./li>
• Construction Logs: These can provide insights into the construction progress and can be used to ascertain any pre-existing issues or conditions./li>
• Witness Statements: If there were any witnesses to the incident that led to the claim, their accounts could be valuable./li>
• Inventory of Damaged Items: A detailed list of materials, equipment, or parts of the vessel that suffered damage./li>
• Cost Estimates: Quotes or estimates for repairing the damage or replacing damaged items./li>
• Incident Reports: If there was an accident or specific incident causing the damage, any reports or summaries of the event can be crucial./li>
• Contract Details: Information related to contracts with suppliers, contractors, or sub-contractors might be necessary, especially if the damage involves third-party work or supplies./li>
• Pre-loss Condition Documentation: Any photographs, reports, or logs that show the state of the construction project before the damage can help in the claim process./li>
• Communication Records: Any communications with suppliers, contractors, workers, or any other relevant parties related to the damage.

Institute Clauses A, B, and C:

• Institute Clause A: Covers "All Risks" - Provides comprehensive coverage against all risks of physical loss or damage to cargo, except for specifically excluded perils.
• Institute Clause B: Covers "Basic Perils" - Offers coverage against specific named perils, including fire, explosion, sinking, collision, and overturning of the transporting vehicle.
• Institute Clause C: Covers "Total Loss Only" - Provides coverage only for total loss of the insured cargo due to a covered peril.

Extensions can include:

• War and Strikes Clauses: Extending coverage to include losses caused by war, acts of terrorism, and strikes.
• Extended Warehouse Coverage: Adding coverage for goods stored in a warehouse during transit.
• Delay in Start-Up: Including coverage for financial losses due to delays in the start-up of the insured project.

Exclusions might involve:

• Inherent Vice: Losses due to inherent characteristics of the cargo.
• Insufficient Packaging: Damage resulting from inadequate packaging.
• Delay, Loss of Market, and Loss of Profit: Consequential losses due to delays.

For single shipment cover, the period of insurance starts from the moment the cargo leaves the point of origin and ends upon delivery to the destination. For open covers, the policy remains in force for the agreed-upon period.

The sum insured is the declared value of the cargo, representing its full value including transportation and other associated costs. b) For single shipment cover, premiums are calculated based on the declared value of the specific shipment. For open covers, the premium is determined based on the estimated aggregate value of all shipments to be made during the policy period.

• Sanctioned Countries: Some policies may exclude coverage for shipments to sanctioned countries, which are countries subject to international trade restrictions.
• Policy Review: Regularly review and update the policy to ensure it aligns with the insured's shipping activities.
• Documentation: Proper documentation of shipments, including packing lists and invoices, is essential for accurate claims processing.
• Consultation: Consult with marine insurance experts to tailor coverage based on the nature of shipments and risk exposure.
• Claims Process: Familiarize yourself with the claims process, documentation requirements, and reporting procedures for efficient claims settlement.

• Embargoes sanctions (CRIMEA - REGION OF UKRAINE, CUBA, IRAN, NORTH KOREA, and SYRIA) prohibit ALL transactions (including imports and exports) without a license authorization.
• Targeted sanctions prohibit certain exports of items, data and/or software without a license authorization.

Marine Cargo Insurance provides coverage for goods transported by sea or air, protecting against loss, damage, or theft of the cargo. It's one of the oldest forms of insurance and is essential for businesses involved in international trade and shipping.

The Claim Process for Marine Cargo Insurance:

• Immediate Notification: If a loss or damage occurs, notify the insurance company or your insurance broker immediately. Some policies have specific time frames for notification to be valid.
• Protection of Goods: It's essential to take necessary measures to protect the cargo from further damage. This might include moving the cargo to a safe location or covering it.
• Documentation: Keep all relevant documents related to the shipment and the cargo, including the bill of lading, invoices, packing lists, and any correspondence related to the cargo's transportation.
• Surveyor/Adjuster Inspection: The insurance company may dispatch a surveyor or adjuster to inspect the damaged cargo. It's crucial not to discard or alter the cargo until after this inspection.
• Submission of Documents: Present all necessary documents to the insurance company for the claim to be processed.
• Claim Review: The insurance company will review the claim, examining the cause and extent of the damage and the policy's terms.
• Settlement or Denial: Based on the assessment, the insurance company will either offer a settlement amount or deny the claim, providing reasons for their decision.

• Claim Notification: Written notification of the loss or damage. This could be a letter or an official claim form if provided by the insurer.
• Bill of Lading or Air Waybill: This serves as evidence of the contract of carriage and shows the terms and conditions under which the goods were transported.
• Commercial Invoice: A detailed list of goods, showing their value.
• Packing List: A list that details how the goods were packed.
• Survey Report: If a surveyor or adjuster inspected the damaged goods, their report would be a vital piece of documentation.
• Damage Report: A written account of the damages, ideally backed up with photographs or videos of the damaged cargo.
• Correspondence: Any communication regarding the transportation, storage, or condition of the cargo, particularly if it relates to the damage.
• Weight Notes: Any documentation detailing the weight of the cargo.
• Insurance Policy/Certificate: The original or a copy of the insurance policy or certificate.
• Other Relevant Documentation: Depending on the nature of the cargo and the specific circumstances of the claim, other documents might be necessary. This can include things like certificates of origin, customs declarations, or special handling instructions.

Mainly the policy insures against the following perils:

This policy does not cover:

• Wilful misconduct on the part of master or crew;
• Loss caused by delay, including delay caused by an insured peril;
• Ordinary wear and tear;
• Inherent vice;
• Lack of due diligence of assured or managers.
• Atomic or nucler weapons of war
• Consequnetial Loss
• Normal Wear and Tear and Rust
• Radioactive Contamination
• Unexplained or Mysteroius
• Disappearances
• Terrorism

The coverage is usually provided for a period of one year.

The sum insured may be either on the basis of the actual value or the new replacement value of the property.

Premium rates depend on:

• Value of the vessel
• Age
• Construction
• Type of vessel
• Navigation area
• Purpose of usage
• Experience of the crew
• Industry experience
• Previous loss history
• Extensions opted for

Premium rates depend on:
Marine Hull Insurance typically covers physical damage to the ship or vessel, machinery, and equipment. It's predominantly used for vessels like boats, yachts, tugs, dredgers, and other marine vessels. The insurance provides coverage against perils of the sea, fire, theft, jettison, piracy, and other perils that might result in damage to the vessel.

The Claim Process for Marine Hull Insurance:

• Immediate Notification: As soon as any damage or loss is identified, the insurer or insurance broker should be immediately notified.
• Take Necessary Measures: The owner or captain of the vessel must take all necessary actions to minimize the extent of damage or loss. This might include, for instance, moving the ship to a safer location if needed.
• Documentation: All incidents, regardless of perceived severity, should be documented, including details, dates, locations, and any potential witnesses.
• Surveyor/Adjuster Inspection: Depending on the severity of the damage, the insurance company may send a surveyor or adjuster to assess the situation. It's essential that no major repairs be undertaken until after this inspection unless they are necessary for safety or to prevent further damage.
• Submission of Documents: All relevant documentation should be submitted to the insurance company to support the claim.
• Claim Review: The insurance company will assess the claim, examining the circumstances of the damage and the terms of the policy.
• Settlement or Denial: Based on their assessment, the insurer will either approve the claim and offer a settlement or deny the claim, providing reasons for their decision.

• Claim Notification: A written notification detailing the incident leading to the loss or damage.
• Copy of the Insurance Policy: The original or a duplicate of the Marine Hull Insurance policy.
• Incident Report: Detailed report prepared by the captain or ship's officer detailing the incident, circumstances, and initial assessment of damage.
• Survey Report: If an independent surveyor or adjuster assessed the damage, their detailed report will be needed.
• Photographic Evidence: Clear photographs or videos showcasing the damage can be immensely helpful in substantiating the claim.
• Repair Estimates: Quotes or estimates for the repair of the damage.
• Log Book Entries: Relevant entries from the ship's logbook that detail the vessel's journey and any significant events or observations.
• Weather Reports: For claims related to weather events, relevant weather reports or forecasts for the period in question might be required.
• Witness Statements: If available, statements from crew members or other witnesses about the incident.
• Any other relevant documentation: This could include communication with port authorities, receipts for emergency repairs, towing expenses, etc.

Mainly the policy insures against the following:

This policy does not cover:

• Wilful misconduct on the part of master or crew;
• Loss caused by delay, including delay caused by an insured peril;
• Ordinary wear and tear;
• Inherent vice;
• Lack of due diligence of assured or managers.
• Atomic or nucler weapons of war
• Consequnetial Loss
• Normal Wear and Tear and Rust
• Radioactive Contamination
• Unexplained or Mysteroius
• Disappearances
• Terrorism

The coverage is usually provided for a period of one year.

The sum insured may be either on the basis of the actual value or the new replacement value of the property.

Marine Hull-Pleasure Craft Insurance provides coverage specifically for private pleasure craft, such as yachts, motorboats, sailboats, and other recreational vessels. It typically covers physical damage to the vessel and may also include coverage for personal injury, third-party liability, and more.

The Claim Process for Marine Hull-Pleasure Craft Insurance:

• Immediate Notification: Should any damage, injury, or loss occur, inform the insurer or insurance broker without delay.
• Mitigate Further Damage: The owner or captain of the pleasure craft should undertake any immediate actions required to prevent further damage or loss, such as moving the craft to safer waters or covering exposed areas.
• Document the Incident: Record all details regarding the incident, including dates, times, locations, and potential witnesses. This documentation is essential for the claims process.
• Inspection by Surveyor/Adjuster: For significant damages, the insurance company might send an adjuster or a marine surveyor to assess the damage. It's crucial not to initiate substantial repairs until after this evaluation, unless they're necessary for safety.
• Gather and Submit Documents: Collate all necessary documents and forward them to the insurer to support your claim.
• Claim Review: The insurance company will review the claim against the policy terms and determine the compensation.
• Settlement or Denial: Based on their evaluation, the insurer will either settle the claim or provide reasons for denial.

• Claim Notification Form: A duly completed form or written notification detailing the incident.
• Copy of the Insurance Policy: A copy (or the original) of the Marine Hull-Pleasure Craft Insurance policy.
• Incident Report: A comprehensive report, ideally from the boat's captain or primary operator, detailing the incident, its causes, and an initial assessment of damage or injury.
• Surveyor's Report: If a marine surveyor assessed the damages, include their detailed findings.
• Photographs: Clear photos of the damage will aid the claims process. If related to a collision, photos of both vessels, water conditions, and any navigational aids are beneficial.
• Estimates for Repairs: Detailed estimates from repair facilities or boatyards.
• Log or Diary Entries: If the pleasure craft has a logbook, include relevant entries that relate to the incident or conditions at the time.
• Weather Reports: If the claim concerns weather-related damages, provide weather reports or forecasts for the timeframe of the incident.
• Witness Statements: Statements from any passengers or nearby boaters who witnessed the incident can be valuable.
• Medical Reports: If there were injuries, provide medical evaluations and bills.
• Any Other Relevant Documentation: This might include towing bills, mooring fees, or receipts for any immediate emergency repairs undertaken.

Marine War Insurance covers various war-related risks and perils, including but not limited to:

• Acts of war, hostilities, and acts of terrorism
• Sabotage and malicious damage
• Confiscation and expropriation
• Blockade and embargo
• Detainment, seizure, and capture
• Requisition of vessel or cargo by a government

Possible extensions might include coverage for additional risks such as strikes, riots, and civil commotions, especially in areas where such events are likely due to the presence of conflicts or political unrest.

Exclusions typically include losses due to normal wear and tear, inherent vice, improper packing, and ordinary leakage or loss in weight. Coverage might also be excluded for acts committed by the insured with intent to cause loss.

The period of insurance can vary depending on the terms of the policy and the specific risks involved. It can be for the duration of a single shipment or for a specified period during which the cargo or vessel is exposed to war-related risks.

This insurance covers various aspects related to the liability of air traffic controllers, including:

• Legal liabilities arising from errors or negligence in air traffic control duties.
• Compensation for bodily injury or property damage caused by mistakes or errors in controlling air traffic.
• Legal defence costs incurred in responding to claims or lawsuits.

Possible Extensions: Possible extensions might include coverage for:

• Legal expenses incurred in the defence against legal claims.
• Extended coverage for specific risks or scenarios beyond standard duties.

Exclusions could involve:

• Intentional acts or wilful misconduct.
• Losses caused by criminal activities.
• Claims arising from situations not related to air traffic control duties.

The period of insurance depends on the terms of the policy and the specific duration for which coverage is required.