Hull & Machinery for Yachts–

Loss or damage to your Yachts.

We provide coverage for physical loss or damage to your yacht, which includes:

• Hull and Superstructure
• Masts, Spars and Rigging
• Engines and Generators
• Machinery and Onboard Systems
• Electronics and Electrical Equipment
• Bridge Systems and Navigational Instruments
• Tenders, Watercraft and Water Sports Equipment
• Fixtures, Fittings and Contents
• Fine Art (Artwork, Antiques)
• Personal Effects of Owner, Guests and Crew

Typically provided on an “All Risks” and “Agreed Value” basis. 

At Ropner we pioneered the R12 Yacht form used by leading London market yacht carriers.

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Protection & Indemnity for Yachts

This coverage addresses the Assured’s legal liability for damages or injuries caused by the yacht or its crew to third parties, including:

• Damage caused to other yachts
• Crew negligence
• Liability arising out of the use of tenders and the yacht’s water craft
• Water sports liabilities – injuries to guests, damage to docks and harbours
• Pollution liability
• The Assureds legal liability to employed crew including MLC requirements

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Crew Welfare for Yachts –

Our crew welfare products provide extensive coverage options, including:

• Cover for full-time, part-time and seasonal crew
• 24/7- and 365-days cover
• Ashore or afloat, on or off duty
• Signed-on or on vacation
• Medical expenses, doctors or hospital fees for accidents or illness
• Lump-sum payments for accidental death or permanent disability
• Salary indemnity for temporary disablement
• Worldwide repatriation
• Crew replacement expenses
• Trauma counselling
• 24-hour emergency assistance
• MLC Compliant

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Pre-delivery, Builders’ Risk for Yachts-

• Pre-Delivery Risks: Coverage for yachts under construction includes liability for crew on-site, medical expenses, personal accident insurance, and owner-supplied items.
• Builders Risks, Refit & Restoration: Custom insurance packages for yachts under build, refit, or restoration. Includes classic yachts being restored or rebuilt.

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Additional package coverage

We also provide specialised insurance for:

• US Pollution Risks
• Cyber Risks (Both Hull & P&I)
• Professional Indemnity for firms involved in the yachting industry
• Cancellation or Curtailment insurance for charterers
• Liability insurance for charterers (Charters Liability)
• Loss of Charter Hire (Typically to be included as part of H&M coverage)
• Submarines and Submersibles
• Mortgagees Interest
• Yachts as cargo