Specialist protection against third-party injury, property damage, pollution and collision claims arising from marine operations.
Marine Liability Insurance protects businesses against third-party claims arising from marine operations, including personal injury, property damage, pollution incidents and vessel collisions.
Unlike hull or cargo insurance — which protect physical assets — marine liability insurance focuses on your legal responsibility to third parties, including passengers, crew, port authorities, other vessel owners and the public. This cover provides financial protection and access to legal defence when maritime incidents occur on water or within port and marine facilities.
Marine Liability Insurance is commonly arranged by:
Covers claims arising from injury to passengers, crew, visitors or third parties during marine operations.
Covers damage caused to other vessels, docks, wharves, port infrastructure or third-party property.
Covers legal liabilities arising from collisions with other vessels or marine structures.
Covers clean-up costs and third-party claims for sudden and accidental pollution incidents, such as oil or fuel spills.
Covers legal representation, investigation and defence costs associated with covered claims.
Marine Liability Insurance is arranged annually, with limits selected based on vessel type, operational exposure, and regulatory requirements. It responds to third-party injury, property damage, and maritime liabilities arising from marine operations.
Limits apply per occurrence and in the aggregate, with defined navigation territories. Excesses may apply per claim or per vessel. Underwriting considers vessel size, cargo type, operating waters, and regulatory compliance.
Maritime incidents can result in high-severity claims
Pollution and collision liabilities can escalate rapidly
Required for many charter, port access and commercial agreements
Protects business assets, cash flow and reputation
Supports compliance with maritime and environmental regulations
Speak with a broker experienced in maritime risk.
Get My Marine Liability Insurance QuoteImportant: Marine Liability Insurance does not cover intentional acts, gross negligence, damage to your own vessels, cargo loss or routine wear and tear. Coverage, limits, exclusions and extensions vary significantly between insurers. Advice from a Seguro insurance broker is recommended to ensure the policy aligns with vessel type, operations and regulatory requirements.