Professional Skipper Liability Insurance

Extended Professional Skipper Liability Insurance

We offer with Partner EIS - European Insurance & Services GmbH the Extended Professional Skipper Liability Insurance. The advanced professional skipper liability insurance covers the legal liability insurance of the policyholder as a professional skipper/guide of a yacht of up to 100 tons. The coverage is 3.000.000- EUR or 6.000.000- EUR as a lump sum for personal injuries and property damage. The total sum for all insurance cases of a year is twice the sum insured.

Co-insured is:

Covered by the Commercial Extended Skipper Third-Party Liability Insurance is the legal liability insurance of the insured person as a private and commercial skipper of a chartered foreign sailing and motor yacht of up to max. 3000 PS or 400 m2. The insurance sum is 3.000.000- EUR or 6.000.000- EUR for personal and property damage and 100.000- EUR for financial losses. The yacht's liability and fully comprehensive insurance are obliged to perform in advance. So the Commercial Skipper Third-Party Liability Insurance is always a subsidiary.

Covered are:

  • Damage to the chartered yacht in case of proven gross negligence up to 550.000- EUR
(in case of damage, a deductible of 2.500- is deemed as agreed)

  • Liability claims of the entire crew among each other up to 3.000.000,- or 6.000.000,- EUR
(In case of property damage as far as they exceed 150,- EUR per claim)

  • Security deposit in case of seizure in a foreign harbor up to 50.000- EUR

  • Shares of the yacht owner for charter losses due to significant self-inflicted damage to the yacht up to 20.000- EUR
(the costs for the first three days of the charter loss must be partly taken by the policyholder)

  • 1.000 EUR for hotel and travel costs to the charter base if the charter trip must be canceled due to damage causing an impossible return due to insufficient seaworthiness of the yacht.


The annual insurance premium, including the legal insurance tax, is:

Coverage sum Displacement t Power HP Max. sail area Price
3.000.000 EUR 15 300 120 230,00 EUR
6.000.000 EUR 15 300 120 280,00 EUR
3.000.000 EUR 30 750 200 280,00 EUR
6.000.000 EUR 30 750 200 350,00 EUR
3.000.000 EUR 100 1500 300 450,00 EUR
6.000.000 EUR 100 1500 300 600,00 EUR
3.000.000 EUR 200 3000 400 850,00 EUR
6.000.000 EUR 200 3000 400 890,00 EUR