Marine Insurance

P&I Insurance (Protection & Indemnity)

Protect shipowners and operators against claims from crew, passengers, cargo owners, piers, and pollution. The liability cover that sits alongside Marine Hull, which protects the vessel itself.

P&I (Protection & Indemnity) is liability insurance for shipowners and operators. If your vessel injures crew, damages cargo, strikes a pier, or spills oil, P&I helps pay the compensation and legal costs. The vessel itself is covered by Marine Hull.

P&I Coverage

Which Liabilities Are Covered?

Injury, illness, or death of crew
Injury or death of passengers
Liability for loss of or damage to cargo
Damage to piers, jetties, and third-party property
Pollution liability and clean-up costs
Wreck removal
Collision liability not recovered under the hull policy
Fines and legal costs linked to an incident
Medical costs and crew repatriation
Legal defence against third-party claims

Final cover depends on the policy wording, limits, and exclusions set by the insurer. Some items, such as wreck removal, may sit in P&I or as an extension of the hull policy; we align both so there are no gaps or overlaps.

Don't Mix Them Up

P&I and Marine Hull Protect Different Things

AspectMarine HullP&I
What is protectedVessel, machinery, equipmentLegal liability to other parties
Example eventsGrounding, hull damage, fireCrew injury, damaged cargo, pier struck, oil spill
Who is paidThe shipownerThe third party that suffered loss
Basis of valueVessel value (agreed/market)Limit of liability per event

Want worked examples of how both respond in one incident? Read P&I vs Marine Hull insurance.

Who Needs It

P&I for Shipowners and Operators

Tugboat & barge operators

Exposure to pier and vessel collisions and crew injury during towing.

Cargo ship & tanker owners

Liability for cargo carried and pollution risk.

Passenger vessels & ferries

Passenger injury and death claims on Batam–Singapore and inter-island routes.

OSV & support vessel operators

Operations near offshore facilities with strict contract requirements.

Shipping companies with chartered vessels

Charterers and terminals often ask for proof of P&I before operations start.

Regulatory Note

Indonesian shipping rules (including Law 17/2008 and PM 71/2013) contain provisions on shipowners' liability and wreck removal. Application differs by vessel type and size and can change, so we check the latest requirements for your vessel before preparing a quotation.

Not a Substitute for Other Liability Cover

P&I addresses risks from operating a vessel. A yard repairing other owners' vessels needs Ship Repairer's Liability, while business activity on land or project sites falls under Public Liability.

Complete Your Marine Protection

Related Products & Articles

Marine Hull Insurance

Protect the vessel itself, the main partner policy to P&I.

Marine Cargo Insurance

For cargo owners whose goods travel on the vessel.

How to Claim P&I Insurance

Steps, documents, and what to avoid after an incident.

FAQ

Questions About P&I Insurance

P&I insurance protects shipowners and operators against legal liability to other parties, for example injury or death of crew and passengers, loss of or damage to cargo carried, damage to piers or third-party property, pollution, and wreck removal costs. It covers the liability you owe to others, not the physical vessel itself.

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