The 60-second version
Hull cleaning liability insurance covers legal liability from underwater cleaning operations causing diver injury, biocide discharge, or port pollution — returning NRIs operating Indian-flag tankers need cover alongside dry-dock and MARPOL policies.
In-water cleaning without cover risks MARPOL fine plus diver injury claim — bind before diver mobilises
Hull cleaning liability insurance responds when underwater cleaning causes diver injury, biocide spill into port waters, or damage to hull coating during in-water operation.
Returning NRIs operating coastal chemical tankers need hull-cleaning layer alongside dry-dock and MARPOL — cleaning contractor COI is bind evidence.
MARPOL lane: MARPOL guide for Annex I discharge layer.
Cleaning stack
| Policy | Covers | Does not cover |
|---|---|---|
| Hull cleaning | Diver + spill | Dry-dock repair |
| MARPOL | Oil discharge | Diver injury |
| Dry dock | Shipyard damage | In-water ops |
| Port liability | Berth damage | Biocide spill |
Purchase flow
Contractor COI
Verify cover.
Biocide plan
Port approval.
Get quotes
3+ insurers.
Bind policy
Before dive.
Cleaning log
Diver sign-off.
Stack
Cleaning kit
- Contractor COI.
- Port permit.
- Policy schedule.
- Biocide MSDS.
- Claim hotline.
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Port ban
Some Indian ports ban in-water cleaning — verify port circular before contractor mobilises; policy may exclude banned ports.
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Turn this guide into a decision file
0 of 4 checked
vs dry dock?
Dry-dock covers shipyard period; hull cleaning covers in-water diver operations.
vs MARPOL?
MARPOL covers oil discharge; hull cleaning covers biocide and diver injury during cleaning.
Contractor COI?
Your policy should excess of contractor insurance — verify limits.
GST?
18% GST on marine liability premium.
Coastal?
Indian coastal tanker in-water cleaning at major ports is primary use case.
Claim?
Preserve port permit, diver log, and biocide MSDS within policy timeline.
You've done the research. Now get the plan.
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