Generali Ship Repairers' Liability Insurance Conditions (English)
Generali's civil-liability policy for ship and boat repair businesses, in plain English.
This is a commercial civil-liability policy for ship and boat repairers — boatyards, shipyards and marine engineering businesses. It covers the legal liability you incur for damage caused to others in the course of your ship-repair business, including the vessels placed in your care for repair. It is a marine “large risk” policy and is a business cover, not a policy for a boat owner.
For a plain-English overview or a quote, see our ship repairers' insurance in Spain page (and our marine insurance and business insurance pages), or contact our team. As an authorised exclusive Generali agent, Turner Insurance can explain any clause below.
The cover
Object & territory ↑ top
The insurer takes on the financial consequences of the civil liability the insured incurs for damage caused involuntarily to third parties through carrying on the business of ship repair. Cover applies to the guarantees expressly contracted, where the liability results from the negligence of the insured, their employees, agents or subcontractors during the policy period. The territorial scope is Spain (damage occurring in Spain and claimed before its courts), unless the Particular Conditions say otherwise.
The cover — five guarantees ↑ top
- 1. Basic cover — loss of or damage to any vessel in the insured's care, custody or control for repair, including during movements within the port and on sea trials up to 100 miles; damage to a vessel being worked on; damage to cargo or objects aboard; damage to machinery or equipment removed from a vessel for repair (including in transit); wreck removal of those vessels; and damage to third-party property during repair operations.
- 2. Personal injury — bodily injury or death of third parties during, and as a result of, the insured's repair operations.
- 3. Detention costs — the detention of a vessel resulting from covered loss or damage to it.
- 4. Other works (“Marine Only”) — repair work beyond ship repair, limited to offshore installations, drilling platforms, containers, marine machinery and port cranes (subject to declaring the gross turnover for it).
- 5. Travelling workmen — the insured's liability where an employee is aboard a vessel or rig to carry out work entrusted to the insured (territory limited to the EU unless otherwise agreed).
Which of these you hold, and the limits, are set in your Particular Conditions.
Main exclusions ↑ top
The policy does not cover, among others: employer's liability / workplace-accident claims by the insured's own workers; damage to property owned, used or leased by the insured (other than vessels in its care under the Basic cover); collision or tug liability from vessels owned or operated by the insured; vessels accepted only for storage; tankers or vessels that carried inflammable/explosive liquids or gases without a gas-free certificate; newly built vessels under construction; penalty, detention, demurrage and consequential-loss clauses; motor vehicles; defective design and the cost of correcting it; strikes, riots and malicious acts; war and nuclear risks; liability assumed by contract beyond the law; punitive damages; asbestos; and pollution except where sudden, accidental and reported within set time limits.
Claims ↑ top
Notify Generali of any circumstance that may give rise to a covered claim, and pass on any judicial or extra-judicial documents you receive. The insurer manages the defence and settlement of third-party claims within the limits of the contract. Disclosure of all material risk information, before and during the policy, is essential.