The 60-second version
Marine survey liability insurance covers surveyor negligence in cargo/hull certificates — returning NRIs issuing P&I or cargo survey reports need E&O cover alongside professional indemnity.
Bind survey E&O before first P&I appointment — certificate error claims exceed generic PI
Marine survey liability insurance responds when negligent cargo survey, hull condition report, or draft survey causes principal loss.
Returning NRIs appointed as cargo surveyors for P&I clubs or charterers need maritime E&O alongside generic professional indemnity.
Cargo lane: marine cargo insurance guide for goods-in-transit cover.
Surveyor stack
| Policy | Covers | Does not cover |
|---|---|---|
| Marine survey E&O | Certificate error | Hull physical damage |
| Cargo insurance | Goods loss | Surveyor negligence |
| P&I | Third-party injury | Surveyor E&O |
| Generic PI | Legal advice | Draft survey error |
Purchase flow
Survey scope
Cargo/hull/draft.
Sum insured
Per report + agg.
Get quotes
3+ marine insurers.
Bind policy
Before first appointment.
P&I panel
Insurance cert to club.
Stack
Surveyor kit
- Class approval.
- Survey template.
- Policy schedule.
- GST reg.
- Claim hotline.
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Draft survey
Verify draft survey sub-limit — short-landing claims often exceed basic E&O.
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vs generic PI?
Generic PI excludes maritime survey certificate errors — bind marine-specific E&O.
P&I appointment?
P&I club may ask for liability proof before panel listing.
GST?
18% GST on insurance premium.
Claim?
Preserve survey report, photos, and principal demand within 48h.
Hull survey?
Declare hull scope at quote — dry dock survey exposure differs from cargo.
Foreign flag?
Policy should cover surveys on any flag vessel in Indian ports.
You've done the research. Now get the plan.
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