PROTECTION AND INDEMNITY COVERAGE provides bodily injury and property damage liability protection for accidents arising from the ownership and operation of a vessel. It is written in conjunction with hull coverage. It includes liability coverage for loss of life or personal injury to guests, to swimmers, and to the general public and to employees, including a hired captain and crew. However, it does not protect the insured against claims arising under the Longshore and Harbor Workers Compensation Act.
Related PF&M Article: Ocean Marine Liability Insurance