Commercial Marine Insurance

Hull and Machinery
Topsail have access to a number of insurers who will provide us with competitive Hull and Machinery and Increased Value Insurance. The policies are based on London market policy forms or can be underwriters own bespoke wordings including War Cover

Third Party Liability
Liability for damage or injury to others in the operation of your marine vessels can be covered by the third Party Liability Insurance or depending on the size and suitability a Protection and Indemnity (P&I) policy.

Protection and Indemnity  
P&I providers or Clubs are specialist underwriters that cover liability for larger vessels, commercial operators and more complex risks. This will include liability to ships crews, collision, removal of wreck, pollution etc.

Topsail insurance have access to a range of competitive P&I providers and can assist your personal requirements.

Yacht Owners Liability to Crew
Employing Crew on board your yacht or motor boat means that you potentially could have a responsibility to your crew for injury whilst they are employed by you. Topsail can arrange a special Yacht Owners Liability to Crew cover which protects you financially for claims made against you where one of your crew members may be injured.

Other Commercial marine 
There are a wide range of complimentary products that can be provided. Please call the office to discuss your requirements.

Marine Trades

Material Damage
There is a huge diversity of marine businesses that require insurance to cover their buildings, contents or stock from physical loss or damage. Topsail are able to arrange bespoke packages to protect the fabric of your business

Public Liability 
Liability to third parties in the operation of your marine business. Most boatyards and marinas will require a minimum of £ 2m of Public Liability cover and this can be extended to higher limits where required.

Products Liability 
Products Liability provides cover where you manufacture or provide a product. Topsail are able to arrange Products Liability in conjunction with the Public Liability Insurance.

Employers’ Liability
Employing staff creates a legal responsibility for an employer to his employee. Employers’ Liability is compulsory and is required by UK law if you employ staff. Most EL policies will provide a cover for £10m of indemnity. It is important that your staff and you are correctly covered for operating in a marine environment.

Other Marine Trades
There are wide range of complimentary products that can be provided. Please call the office to discuss your requirements.

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