Professional Skipper Liability Insurance
Extended Professional Skipper Liability Insurance
The advanced professional skipper liability insurance covers the legal liabilit insurance of the policy holder as a professional skipper/guide of a yacht of up to 100 tons. The Coverage is 3.000.000,- EUR or 6.000.000,- EUR as a lump sum for personal injuries and property damage. The total sum for all insurance cases of a year is twice of sum insured.
Covered by the Extended Skipper Third Party Liability Insurance for commercial skippers is the legal liability insurance of the insured person as a private and commercial, skipper of a chartered foreign sailing and motor yacht of up to 750 PS and/or 150 m² sail area. The insurance sum is 3.000.000,- EUR or 6.000.000,- EUR for personal and property damage and additionally 100.000,- EUR for financial losses. The yacht’s liability insurance and fully comprehensive insurance are obliged to perform in advance. So the Skipper Third-Party Liability Insurance is always subsidiary.
- Damage to the chartered yacht in case of proven gross negligence up to 550.000,- EUR
(in case of damage a deductible of 2.500,- is deemed as agreed)
- Liability claims of the entire crew among each other up to 3.000.000,- or 6.000.000,- EUR
(In case of property damage as far as they exceed 150,- EUR per claim)
- Security deposit in case of seizure in a foreign harbor up to 50.000,- EUR
- Claims of the yacht owner for charter losses due to a self-inflicted major damage to the yacht up to 20.000,- EUR
(the costs for the first three days of the charter loss must be partly taken by the policy holder)
- 1.000 EUR for hotel and travel costs to the charter base if the charter trip must be cancelled due to a damage causing an impossible return due to insufficient seaworthiness of the yacht..
The annual insurance premium including the legal insurance tax is:
|Sailing yachts||3.000.000 EUR||6.000.000 EUR|
|up to 10m length||117,- EUR||139,- EUR|
|over 10m length||162,- EUR||198,- EUR|
|Motor and Sailing yachts||3.000.000 EUR*||6.000.000 EUR*|
|up to 10m length||130,- EUR||159,- EUR|
|over 10m length||207,- EUR||234,- EUR|
We also charge a one-off policy fee of 6.50 EUR including the statutory insurance tax..