Hull + Marine Liabilities

UNIQUE UNDERWRITING + CLAIMS PHILOSOPHY

With deep underwriting experience and as long-term Lloyd's Coverholder, our team works closely with production brokers to evaluate each client's operations and structure coverage around their specific marine risk characteristics. From brown water hull and protection and indemnity to marine liabilities, pollution, maritime employers' liability, and excess liability solutions, we focus on delivering stable, responsive coverage backed by long-term market relationships and professional claims support.

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Other Ancillary Coverages

IN-HOUSE UNDERWRITING

We work with our market partners to structure limits that align with each client's operations and coverage needs. Our limits are evaluated based on vessel operations, liability exposures, and overall account characteristics.

  • Brown Water Hull and Protection & Indemnity (P&I)
    Comprehensive hull and P&I coverage for inland and coastal commercial vessels, protecting physical damage to vessels together with liabilities arising from their ownership and operation.
  • Excess Marine Liabilities
    Provides excess liability limits above underlying marine liability policies, offering additional protection for complex marine operations and higher-risk exposures.
  • Maritime Employers Liability (MEL)
    Protects employers against liabilities arising from injury, illness, or death of maritime employees not covered under traditional workers' compensation programs.
  • Commercial General Liabilities, including marine liabilities
    • Stevedores Legal Liability
      Covers the legal liability of stevedores for damage to cargo, vessels, and third-party property arising from loading and unloading operations.
    • Landing Owners' / Wharfingers' Legal Liability
      Protects owners and operators of docks, wharves, piers, and waterfront facilities against liabilities arising from their operations and occupancy.
    • Ship Repairer's Legal Liability
      Covers legal liability for physical loss or damage to vessels while under the care, custody, or control of shipyards and marine repair facilities.
    • Boat Broker's Legal Liability
      Provides liability protection for boat brokers arising from professional activities, vessel transactions, and related marine business operations.
    • Tankerman's Legal Liability
      Covers liabilities arising from the transfer, loading, unloading, and handling of petroleum products and other liquid cargoes by tankermen.
    • Terminal Operator's Legal Liability
      Protects marine terminal operators against liabilities arising from cargo handling, storage, vessel operations, and terminal activities.
  • Vessel Pollution Liability
    Protects against liabilities arising from accidental pollution incidents involving vessels, including the issuance of U.S. Certificates of Financial Responsibility (COFRs), where applicable.
  • Contractors Equipment
    Where incidental to other marine coverages - covers contractors' equipment used in support of marine operations, protecting against physical loss or damage.
  • Builders Risk (Brown Water Vessels & Barges)
    Protects vessels and barges during construction, conversion, or major repair, covering physical loss or damage throughout the build process.
  • River Cargo
    Where incidental to other marine coverages - covers cargo transported on inland waterways, protecting against physical loss or damage during transit.
  • Other Ancillary Coverages
    A range of complementary marine insurance solutions designed to address specialized exposures and support comprehensive risk management programs.
Cargo Ship

Capacity

HULL + MACHINERY

  • Up to $10 million per vessel
  • Available for U.S. brown water fleets, including tugs, barges, inland and offshore towing vessels, offshore service vessels, and research vessels
  • Additional coverage available for vessel builder's risk, contractor's equipment, Breach of Warranty/Mortgagee's Interest, and incidental river cargo

P&I + MARINE LIABILITIES

  • Up to $1 million per occurrence for Primary Protection and Indemnity coverage
  • Designed for brown water marine vessel operators
  • Up to $1 million per occurrence / $2 million general aggregate for primary marine liability coverage

EXCESS MARINE LIABILITIES

  • More than $600 million in total excess capacity
  • Includes $200 million in-house binding authority
  • Includes an exclusive $400 million Lloyd's facility
  • Available for excess marine liabilities and marine-driven umbrella coverage, including bumbershoots
  • Additional exclusive London market facilities may also be available for risks outside our binding authorities.

VESSEL POLLUTION LIABILITY

  • Up to $25 million per occurrence
  • COFR Guarantees and Bunker Blue Cards available where required
  • 36-month policy options available
  • Profit-sharing opportunities available for qualifying accounts

Security

  • Our security providers are underwriters at Lloyd’s, London and London Market Companies.
  • Security details are available upon request.

Let's build the right solution.

We value lasting partnerships with clients, carriers, reinsurers, and production brokers, and we are committed to offering stable capacity, broad products, and competitive terms backed by reliable security.

Alex Porter | alex.porter@starwindins.com

Lauren Madden | lauren.madden@starwindins.com

Start a submission today.

Find the applications for our Hull + Marine Liabilities products in one convenient place. Complete and submit the appropriate form to help our underwriting team evaluate your client's risk and respond quickly with tailored coverage options.

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