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Non Poolable Covers


Members of the Club are insured for protection and indemnity (P&I) risks in accordance with the standard terms of entry, set out in the Rules. These reflect the terms of the International Group’s Pooling Agreement, which, amongst other things, makes provision for what claims may be pooled amongst the Group Clubs, and what liabilities and expenses cannot be pooled and are thus excluded from Group arrangements. The Pooling Agreement encompasses risks that are common to the majority of shipowners. Its scope of cover has evolved over the years, and continues to evolve, to meet the changing and developing needs of the industry.

Generally speaking, risks are excluded under the Pooling Agreement if, for instance, they are considered not to be sufficiently “mainstream” to warrant mutual cover (e.g. certain offshore activities); or if they involve particularly onerous contractual terms that a Member may be required to agree for commercial reasons. These claims are thus excluded under the normal terms of Club entry and under the rules of the Club. Nevertheless they represent risks for which many Members require cover.

The Club is able to provide such extended cover for a wide range of non-poolable liabilities and costs, with limits available up to US$1 billion. This includes cover for contractual indemnities, risks relating to non-eligible persons, specialist operations, offshore operations and non-poolable cargo liabilities. The scope of coverage is flexible and can be individually tailored to accommodate an individual Member’s requirements. The Club will always assist Members in trying to provide solutions for new and uncommon risks, as they arise.

For further information, please download our brochure


Steamship Mutual's Non Poolable Covers

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