Yacht Facility

Yacht page image

Since its launch, the yacht liability cover has rapidly become established as one of the products of choice in the market. This is largely down to the comprehensive, flexible nature of our terms. However, we have also found our size, experience and global reach beneficial in allowing us to underwrite business with higher limits and without restrictions on trading areas or domicile.

The Cover:

The Club can provide cover for all or any of the following claims and liabilities, including associated costs and expenses:


Liability for crew on or off the vessel (including ashore), in respect of death, injury, illness, repatriation, substitution costs, loss of personal effects, immigration and other fines, including deviation and other costs.



Liability to passengers for all of the above, including claims relating to water sports, shore excursions and other leisure activities.



Liability for injury or death of persons and for damage to third party property, arising from the operation of jet skis, pleasure craft, tenders, mini-subs and other units.


Visitors, concessionaires and others on board

Liability to third parties of every description, for injury, death and property claims.


Doctors and medical facilities

Liability for medical malpractice, and indemnities to doctors.


Off-vessel accidents

Liability for injury or death of persons and damage to property, arising from off-vessel activities, including sightseeing and other expeditions ashore.


Environmental damage

Liability for environmental loss and damage, including fines, resulting from oil pollution or the accidental escape of other contaminating materials such as waste.


Fines and penalties

Liability for financial penalties arising from insured risks.


Collision, dock damage, wreck removal and other property claims

Liability for damage caused by collision, contact or interference with vessels and other marine property, including berthing / mooring facilities, marine installations and cargo / property whether or not on board the vessel.


Contractual indemnities, special agreements, specialist activities and operations

Liability under blanket contractual or other indemnity arrangements, to the providers of services and facilities, and to customers and others receiving services from the vessel. This includes not only contracts of employment (crewing agreements, concessionaire arrangements, etc...) but also contracts for the use of marine facilities, such as berths, repair yards and bunkering services.


War risks and similar perils

Liability when incurred as a result of specified war, terrorism, piracy and other related risks.


Other assureds

The inclusion of additional assureds “as required by contract”,

including investors, mortgagees, agents, charterers, marinas and mooring facilities, official bodies and many others by agreement.



The Club can issue both Italian Blue Cards and Bunker Blue Cards, Greek and Spanish liability certificates as well as providing the necessary documentation to enable operators of yachts to obtain a Certificate of Financial Responsibility for oil pollution.


Flexibility of cover

All or any combination of these risks can be insured up to a limit of US$500 million per event, by agreement with the Club. Other claims, liabilities and risks can also be covered, according to each assured’s particular needs.


Distinguishing Features:

  • Flexible limits up to US$500 million per event

  • US$5 million yacht contractual liability inclusion

  • Cover in respect of liabilities arising out of the participation by crew, passengers or other third parties in water sports without an additional premium (subject to details of the intended activities)

  • Depth of knowledge of the US market and associated risks

  • Yacht specific loss prevention material (available to members and non-members alike


  • In depth claims handling and loss prevention services from the Club's experienced and qualified staff.

  • A worldwide network of correspondents and lawyers.

  • Access to marine threat assessment and security planning advice.


Whilst pleased with the progress the portfolio has made in the last few years it is the Club’s firm intention is to develop the book further with our bespoke policies, exceptional service and highly competitive rates.


Form    Yacht Insurance Application Form - Click here to download in MS Word Format

Brochure    Click here to view the Club's Yacht Insurance Brochure


For more details, please contact one of our yacht team:


Hugo Jacquot


Hugo Jacquot - Syndicate Associate Underwriting
T +44 (0)20 7650 6646
M +44 (0)7525 816 638
E Hugo.Jacquot@simsl.com 

   Chris Durrant 


Chris Durrant - Syndicate Executive Underwriting
T +44 (0)20 7650 6475
M +44 (0)7876 492 677
E Chris.Durrant@simsl.com

 Rupert Harris


Rupert Harris - Head of Reinsurance and European Underwriting
T +44 (0)20 7650 6644
M +44 (0)7979 240 916
E Rupert.Harris@simsl.com

   Gary Field


Gary Field - Head of Americas Underwriting
T +44 (0)20 7650 6498
M +44 (0)7968 971 510
E Gary.Field@simsl.com