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Charterer’s
Liability

Solution

Charterer’s
Liability

Any person or company chartering a vessel is partly responsible to the ship and its cargo 
 
Even the most careful charterer can face a claim for liability in the event of loss, damage or injury to the vessel its cargo its crew or third parties.
In a worst-case scenario, these liabilities could amount to millions of dollars. 
 
But unlike Shipowners’ P&I insurance, Charterers’ Liability insurance is not a mandatory insurance by law, facultative. Charterers may be required to provide bank guarantees as security for any claims and face the full costs of any legal liabilities that arise while they are chartering the vessel. 
 
Standard industry contracts such as the Gencon and NYPE Charterparties state that Charterers are liable towards the owners of the vessel for a wide range of potential liabilities including: 
 
  • Providing a safe port/berth/anchorage 
  • Loading/stowing/discharging 
  • Acts of stevedores as servants of the charterers 
 
Remember, wherever the ultimate liability lies, in the first instance the charterer is liable to reimburse the owner and may have to pursue their own claim against a third party. If something goes wrong, these open- ended risks can result in substantial costs, but there is an alternative. 
 
Charterers’ Liability insurance can provide full cover of any legal liabilities, costs and expenses that arise in respect of the Operation of the Insured Vessel. These include: 
 
  • Liability to people 
  • Liability to property 
  • Liability to the environment 
 
Some charterers still resist taking out insurance, often because they do not fully understand the liabilities to which they are exposed or, never having experienced a claim, they believe they never will. 
 
If this is you, we recommend reading Ten reasons for not buying Charterers’ Liability Insurance. It may make you think again. 
 
Our Charterers’ Liability products can provide insurance against the full range of risks, provide support against claims, and cover any costs of claim. 
 
What does it cover 
There are plenty of things that can go wrong when chartering a vessel – from lost cargo and hull damage, to passenger, crew or third-party injuries. Our product is designed to cover you for these liabilities, but more importantly we are there to help prevent risks and, if things do go wrong, to help mitigate the costs and disruption to your business. 
 
Typical clients 
Charterers’ Liability cover is specifically designed for operators, freight forwarders, traders, manufacturers, the offshore wind industry and any other party chartering a vessel for any purpose. 

Although we always aim to build your cover around your business, Charterers’ Liabilities fall under three broad categories: 
 
  • Loss of or damage to the chartered vessel, including damage caused by stevedores, an unsafe berth/ port or use of the wrong fuel. 
  • Liability to cargo, including loss, damage, late delivery, or delivery to the incorrect port. 
  • Other marine liability risks, including death, injury or illness suffered by the crew or third parties, collision, pollution, salvage, or fines. 
 
Additional cover options 

War P&I 
Global trading and operations can face significant risks due to a civil or international conflict. Our War P&I keeps you protected against liabilities arising during war. 
 
Marine Defence (FD&D) 
A dispute arising from charter parties and other contracts, can lead to significant legal costs. Our Marine Defence product can provide protection. 
 
Tailor-made additional 
Every situation is different and when standard Charterers’ Liability is not enough, we offer a wide range of additional covers like War, Bunker insurance, Freight insurance to ensure you are fully protected.

Subclasses

Our underwriters are experienced in a wide range of insurance subclasses including:
  • General Cargo
  • Stock Throughput
  • Containerised
  • Commodities
  • Project cargo & DSU
  • Transport & Mounting

Risk Examples

Our underwriters are open to risk across the spectrum of cargo types including:
  • Machines / machine parts
  • Consumer products
  • Electronic & medical equipment
  • Containerised goods
  • Transit / mounting
  • Project cargo

Team

Bianca te Poele
Bianca te Poele
Lead Class Underwriter Charterers' Liability
Frans Melchers
Frans Melchers
Senior Underwriter Charterer’s Liability
Shana Debruyne
Shana Debruyne
Underwriter Cargo, Cargo Liability & Charterers’ Liability
Abbas Karkhaneh
Abbas Karkhaneh
Underwriter Charterers' Liability
Linda Reijm
Linda Reijm
Assistant Underwriter Charterers' Liability
Valéry van der Sommen
Valéry van der Sommen
Assistant Underwriter Charterers' Liability
Roeland Jansen
Roeland Jansen
Assistant Underwriter Charterers' Liability
Anneke Pengel Rijswijk
Anneke Pengel Rijswijk
Underwriting Support Employee
Alice Hogervorst
Alice Hogervorst
Underwriting Assistant
Alexandre Parey
Alexandre Parey
Lead Class Underwriter P&I
Jonathan Schmitt
Jonathan Schmitt
Underwriter P&I and Inland Hull
Aude Chateau
Aude Chateau
Underwriter P&I
Hugo Hoogendoorn
Hugo Hoogendoorn
Lead Class Underwriter Charterers' Liability
Elaine Masterson
Elaine Masterson
Underwriter Charterers' Liability

Documents

Filename
Type
Last Modified
Filename Policy 2025
Type PDF
Last modified 13-06-2025
Filename Circular Policy Changes 2025
Type PDF
Last modified 13-06-2025
Filename Policy 2024
Type PDF
Last modified 13-06-2025
Filename Circular Policy Changes 2024
Type PDF
Last modified 13-06-2025
Filename Circular Policy changes 2022
Type PDF
Last modified 13-06-2025
Filename Policy 2022
Type PDF
Last modified 13-06-2025
Filename Circular Policy Changes 2021
Type PDF
Last modified 13-06-2025
Filename Policy 2021
Type PDF
Last modified 13-06-2025
Filename Policy 2020
Type PDF
Last modified 13-06-2025
Filename Policy 2017
Type PDF
Last modified 13-06-2025