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Skipper Liability Insurance
Purchase online
Please choose private or commercial use, vessels up to or over 17 m length (Length overall - LOA)
Annual Cover
The Pantaenius Skipper Liability Insurance offers a skipper cover throughout the year against damages caused by a skipper to third parties, for example to another yacht. The cover takes effect when the yacht's own liability insurance cannot be applied. The use of dinghies and other water sports equipment is also insured. This insurance is available to both private and commercial skippers and ensures cover worldwide.To purchase skipper liability insurance online please choose a cover from the table below.
By the way: You can now also take out skipper's liability insurance for just a single charter trip via our charter insurance.
Private use
Hull up to
17 m length
Sum insured
(Personal injury/Property damage)
6,000,000 €
Private use
84.03 €
purchase
Hull up to
17 m length
Sum insured
(Personal injury/Property damage)
10,000,000 €
Private use
121.85 €
purchase
Hull over
17 m length
Sum insured
(Personal injury/Property damage)
6,000,000 €
Private use
126.05 €
purchase
Hull over
17 m length
Sum insured
(Personal injury/Property damage)
10,000,000 €
Private use
151.26 €
purchase
COMMERCIAL USE: For Individuals and Companies
Hull up to
17 m length
Sum insured
(Personal injury/Property damage)
6,000,000 €
Commercial use
247.90 €
purchase
Hull up to
17 m length
Sum insured
(Personal injury/Property damage)
10,000,000 €
Commercial use
369.75 €
purchase
Hull over
17 m length
Sum insured
(Personal injury/Property damage)
6,000,000 €
Commercial use
504.20 €
purchase
Hull over
17 m length
Sum insured
(Personal injury/Property damage)
10,000,000 €
Commercial use
798.32 €
purchase
The amounts stated above are net premiums. Please note that the invoice amount might be higher if we have to include legal duties for insurance contracts that are mandatory in your country of residence.
The Pantaenius Skipper Liability Insurance is an annual policy. The contract will automatically be extended for another year if not cancelled in text form at least one month prior to the renewal date.
The deposit to be paid to the charter company is not covered by the skipper's liability insurance, but can be insured via our separate deposit insurance for each chartered boat.
Your Benefits
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- All-round protection for personal injury, material and financial damage.
- Damage caused by additional sports equipment is covered
- Defence of unjustified claims
- Water pollution is insured
- Impound fees will be paid
- Worldwide insurance cover
ALL-ROUND PROTECTION
Personal injury, and also material and financial damage, are insured.
DEFENSE OF UNJUSTIFIED CLAIMS
Legal defense against unjustified claims for damages by third parties is also automatically included.
IMPOUNDED VESSEL
Your vessel has been seized on official instructions. Impound fees of up to EUR 100,000 will be paid.
CANCELLATION OF SUBSEQUENT CHARTERS
Costs for cancellation of subsequent charters also insured
WATER POLLUTION
Damage caused, for example, by water contamination, including groundwater, is insured.
ADDITIONAL SPORTS EQUIPMENT
Damage caused by the use of dinghies and further watersports equipment belonging to the vessel is also covered.
WORLDWIDE COVER
The insurance cover applies worldwide.
FAQDoes the skipper's liability insurance cover damage to the third-party yacht I am skippering?
In principle, skipper’s liability insurance covers damage caused by the skipper, as the policyholder, whilst operating a third-party yacht, and for which a third party makes a claim against him for compensation (for personal injury, property damage or financial loss) in accordance with statutory liability provisions. Damage to the yacht itself, which is being skippered by the skipper, is only covered in cases of gross negligence and subject to an excess of EUR 2,500, provided that compensation cannot be claimed under another insurance policy. You must therefore ensure that you have proof of comprehensive insurance for the yacht you are operating. The amount of the deposit to be paid should correspond to the excess under the charter company’s comprehensive insurance policy.
Are the crew members also insured?
Yes, crew members are covered under the skipper’s liability insurance.
Are damage claims covered?
No, the charter company’s retention of the deposit is not covered by the skipper’s liability insurance. To cover the deposit, separate deposit insurance should be taken out.
What cover is available if the yacht I am skippering is not covered by third-party liability insurance?
If the yacht is not covered by third-party liability insurance, the skipper’s liability insurance will assess any claims made in the event of a claim. In the event of an incident covered under the terms and conditions, the skipper’s liability insurance will apply.
What cover is provided if the yacht is already covered by third-party liability insurance?
If the yacht is covered by third-party liability insurance, all claims must first be reported to the yacht’s own insurer. In this case, the skipper’s liability insurance provides only supplementary cover.
What does ‘subsidiary cover’ mean in the context of skipper’s liability insurance?
Claims under the terms and conditions and sums insured of the skipper’s liability insurance may only be made insofar as they cannot already be claimed under another insurance policy.
When do I need commercial skipper liability insurance?
You must take out commercial skipper’s liability insurance if you receive any commercial benefit, remuneration or other financial advantage from your work as a skipper. If you are acting as a skipper on a private club sailing trip as a member of a sailing club, and your crew (fellow club members sailing with you) merely cover your costs for, for example, flights, food and accommodation, Pantaenius does not regard this as a financial benefit, meaning that cover would already be provided under the skipper liability insurance for private use. This also applies at Pantaenius if you act as a skipper on a private sailing trip with friends and your fellow sailors merely cover your costs accordingly.
Does the skipper's liability insurance cover damage to the third-party yacht I am skippering?
In principle, skipper’s liability insurance covers damage caused by the skipper, as the policyholder, whilst operating a third-party yacht, and for which a third party makes a claim against him for compensation (for personal injury, property damage or financial loss) in accordance with statutory liability provisions. Damage to the yacht itself, which is being skippered by the skipper, is only covered in cases of gross negligence and subject to an excess of EUR 2,500, provided that compensation cannot be claimed under another insurance policy. You must therefore ensure that you have proof of comprehensive insurance for the yacht you are operating. The amount of the deposit to be paid should correspond to the excess under the charter company’s comprehensive insurance policy.
Are the crew members also insured?
Yes, crew members are covered under the skipper’s liability insurance.
Are damage claims covered?
No, the charter company’s retention of the deposit is not covered by the skipper’s liability insurance. To cover the deposit, separate deposit insurance should be taken out.
What cover is available if the yacht I am skippering is not covered by third-party liability insurance?
If the yacht is not covered by third-party liability insurance, the skipper’s liability insurance will assess any claims made in the event of a claim. In the event of an incident covered under the terms and conditions, the skipper’s liability insurance will apply.
What cover is provided if the yacht is already covered by third-party liability insurance?
If the yacht is covered by third-party liability insurance, all claims must first be reported to the yacht’s own insurer. In this case, the skipper’s liability insurance provides only supplementary cover.
What does ‘subsidiary cover’ mean in the context of skipper’s liability insurance?
Claims under the terms and conditions and sums insured of the skipper’s liability insurance may only be made insofar as they cannot already be claimed under another insurance policy.
When do I need commercial skipper liability insurance?
You must take out commercial skipper’s liability insurance if you receive any commercial benefit, remuneration or other financial advantage from your work as a skipper. If you are acting as a skipper on a private club sailing trip as a member of a sailing club, and your crew (fellow club members sailing with you) merely cover your costs for, for example, flights, food and accommodation, Pantaenius does not regard this as a financial benefit, meaning that cover would already be provided under the skipper liability insurance for private use. This also applies at Pantaenius if you act as a skipper on a private sailing trip with friends and your fellow sailors merely cover your costs accordingly.
Participating underwriters
(The Underwriters mentioned first are leading Underwriters)
Chubb European Group SE
Allianz Global Corporate & Specialty SE
AIG Europe S.A.
Kravag Logistic Vers. AG
You will find the full addresses here.
