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Aye Matey, Marine Policies Cover Both Ships and Sea-Doo's |
Insurance on motorized craft or vehicles such as watercraft, snowmobiles or all terrain vehicles functions much like that of the Personal Auto Policy. Coverage applies to the Named Insured, a spouse, a resident family member, and those given permission to operate the craft or vehicle by the Named Insured.
In one federal court case in Michigan the insured had given his children permission to operate the insured's "Sea-Doo" watercraft, but had explicitly told them that their friends could only ride as passengers, not operate the craft. When the son disobeyed the instruction and allowed a friend to run the craft without the father's permission, the friend accidentally hit a girl who was standing in the water near the shore, injuring her. She sued both the craft's owner and the unauthorized driver. |
The homeowners insurer for the unauthorized driver brought a declaratory relief action against the insurer for the craft's owner, seeking a pro rata share of defense costs and the ultimate judgment. The court denied the request, finding no evidence that either the insured or the spouse had granted permission for the other youth to operate the craft.
Ocean and inland marine claims on both small craft and large ocean-going vessels, the cargo and liability are common losses. Containerized freight enters the country at a number of Pacific and Atlantic/Gulf Coast ports, and travels by truck and rail across the nation. Claims can result at any location. |
| The ancient marine policies, as well as the American Institute Hull Clauses provide coverage "touching the [adventures and] perils which the Underwriters are contented to bear and take upon themselves, they are of the seas, men-of-war, fire, lightning, earthquake, enemies, pirates, rovers, assailing thieves, jettisons, letters of mart and counter-mart, surprisals, takings at sea, arrests, restrains and detainments of all kings, princes and peoples of what nation, condition or quality soever, barratry of the master and mariners and all other like perils, losses and misfortunes..." |
While it might be presumed that "pirates, rovers and assailing thieves" are rare in the 21st century outside of a Johnny Depp movie, such is not the case. Modern day pirates are active off the coast of Somolia and elsewhere in the world, and "assailing thieves" are just as active anywhere cargo is in transit or storage.
Learn more about the rules regarding cargo claims, either domestically or in international trade, by attending a Crawford Educational Services class or online course. For complete course listing, visit our website. |
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Contact Us Today!
404.300.1526 | |
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The Advanced Property class is a one-week intense program targeting the experienced commercial property adjuster to upgrade their knowledge base on the challenge of handling business interruption losses.
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This course combines an online pre-study and a three (3) day classroom, instructor led, skill application lab. Upon completion of training, the entry level property or catastrophe adjuster will have been exposed to knowledge and technical skills necessary to enable them to evaluate, estimate and handle homeowners' property claims, under supervision.
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At Crawford Educational Services, you'll get hands-on training from our expert instructors. We offer classes in property, casualty, and workers' compensation in our classroom facility in Atlanta, as well as customized programs at your location.
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Take Note! is a marketing tool of Crawford Educational Services, the training division of Crawford & Company. The contents and any referenced external materials are not intended to and should not be construed as legal or other professional advice, nor is such information intended to be nor should it be used as a substitute for legal or professional counsel. These materials merely convey general information about claims and claims related situations often encountered by claims professionals. While an effort is made to be accurate, Crawford & Company does not represent, warrant, promise, or imply that this information is current, accurate, thorough, or adequate.
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