CLASS A

Charterers of seagoing vessels assume in their charter contracts contractual and legal liabilities. When sub chartering a vessel the charterer may even position themselves as ship owner in the contractual chain and can be exposed to similar risks as a ship owner.
Under Time and Voyage charter contracts, charterers can be held liable for damage to hull during loading and unloading of the ship; an unsafe port / berth situation in (the approach of) a port; damage to hull caused by the cargo or by off spec bunkers.
There may be a liability exposure for cargo, especially under the NYPE Inter Club Agreement: Charterers can be held liable and have to put up security for shortage or damage to cargo by e.g. pilferage, stowage or mishandling.
And there is a potential risk to third parties like personal injury, wreck removal, general average, etc. Nearly every chartering of a vessel starts with a sales contract on goods. A charterer can be either a commodity trader or im-/exporter, or a ship operator, a liner service or a freight forwarding company. But in many occasions the charterer is in the middle of a string of contracts which means that there is a liability exposure both ways. Charterers Liability cover protects the charterer both ways  against these liabilities.

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CLASS B
For some charterers, carrying their own goods, there is the potential risk that the goods itself are reason for a liability claim and brought to charterers in their identity as Cargo Owner. E.g. pollution.
Cargo Owners Legal Liability cover protects cargo Owners against these exposures.

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CLASS C
For Legal advice and Disputes under the Charter-Party, your legal expenses can be covered under our Defence (FDD) cover.

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FRINGE COVERS
War cover
Bunker cover
Freight cover
Detention cover
Piracy Loss of Hire

Policy wording 2010	Policy wording 2011	Policy wording 2012

Policy Wording 2013