Skipper Liability Insurance
Sail with peace of mind when the boat isn't yours
As the responsible skipper of a chartered boat, you assume responsibility for both the vessel and your crew. Our skipper liability insurance protects you and your crew against costly damage you may cause on the chartered vessel, anywhere in the world.
Benefits of this insurance
Choose between €5 or 10 million for personal injury and property damage.
Covers damage to the chartered boat caused by the skipper's gross negligence.
Financial support if the boat is seized in a foreign port due to an incident.
What is covered
Operation and use of the chartered boat
Covers all damage arising from operating or using the chartered boat, as well as defense against unjustified claims.
Damage to the boat from gross negligence
Covered up to €750,000 when damage to the chartered boat results from the skipper's gross negligence.
Bail for seizure abroad
Up to €100,000 if the boat is seized in a foreign port following an incident.
Charter company's lost income
Up to €25,000 if the charter company claims lost revenue because the boat is out of service due to hull damage attributable to you.
Hotel and travel costs
Up to €1,500 if the trip is cut short.
What is not covered
Criminal bail
Bail cover for seizure generally does not cover bail of a criminal nature, which requires a specific surety insurance.
Your own assets
Damage to your own assets or personal belongings is not covered by this policy.
Commercial use
Commercial use of the vessel falls outside the scope of this coverage.
Frequently asked questions
How is this different from boat liability insurance?
Boat liability insurance protects the owner of their own boat; skipper liability insurance protects whoever operates a chartered or borrowed boat.
Do I need this if I have private liability insurance?
Yes, private liability insurance usually excludes operating motorized vessels, creating a coverage gap that this insurance fills.
What does the insurance cover regarding the chartered boat?
Damage to the chartered boat from the skipper's gross negligence up to €750,000, as well as bail for seizure abroad up to €100,000.
Is damage between crew members covered?
Yes, liability claims among crew members are included.
Who needs this policy?
Anyone who charters a yacht or boat and acts as the responsible skipper for the trip.
Planning to charter a boat or yacht?
Secure your liability as a skipper before setting sail, in just a few minutes.
Request free advice