The 60-second version
Ship management liability insurance covers technical manager negligence — returning NRIs under ISM DOC need cover alongside crew manning and P&I policies.
Bind management liability before DOC issue — owner indemnity may cap below off-hire exposure
Ship management liability insurance responds when ISM non-compliance, maintenance failure, or crewing error causes charter off-hire.
Returning NRIs issuing ISM DOC for foreign-flag vessels need E&O cover alongside manning agency licence.
Manning lane: crew manning guide for employment layer.
Management stack
| Policy | Covers | Does not cover |
|---|---|---|
| Ship management | ISM/maintenance error | Cargo damage |
| Crew manning | MLC breach | Engine failure |
| Charter liability | Hire dispute | Technical negligence |
| P&I | Third-party injury | Manager E&O |
Purchase flow
DOC scope
Vessel types + flag.
Sum insured
Per vessel + agg.
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Bind policy
Before DOC issue.
Owner notice
Insurance cert to owner.
Stack
Management kit
- DOC copy.
- SMS manual.
- Policy schedule.
- Class cert.
- Claim hotline.
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Off-hire days
Verify off-hire indemnity sub-limit — engine failure claims exceed basic E&O.
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vs P&I?
P&I covers third-party claims; management covers your technical and ISM negligence.
ISM DOC?
DGS may ask for liability proof at DOC renewal — bind before audit.
GST?
18% GST on marine insurance premium.
Claim?
Notify within 48h of owner off-hire notice — preserve maintenance log.
Multi-vessel?
Declare full fleet in schedule — not just first vessel.
Sub-management?
If subcontracting crew or technical, verify downstream cover.
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