Our philosophy has long been to insure ‘from the keel up’. So we start with the hull and machinery, then add any ‘toys’ such as jet skis, etc. All yachts require liability coverage, generally written on a broad protection and indemnity basis, covering all aspects of ownership, use and operation of the vessel, including liability coverage for crew. Then we normally add the personal effects of owners, guests, charterers and crew, normally on an ‘all-risks’ basis. 

But the fact is that every contract is different and, if you are chartering to a third party, can always be extended if special circumstances or risks occur. In these cases we can add specific medical or personal accident cover, damage to or loss of fine art and unusual valuables, loss of hire and consequential loss, kidnap and ransom insurance and, increasingly in these digital times, cybercrime cover.