Marine insurance
Survey and cover from the same place. Capt. Benn is an appointed agent for Keane Specialty Insurance, writing yacht and commercial marine risks across the Caribbean.
Cover
The survey and the policy are the same conversation
Underwriters want a current condition and valuation survey before they will write or renew cover on most hulls, and the wording of the policy — named-storm clauses, navigation limits, lay-up conditions, charter use — decides whether a claim is paid. Handling the survey and the introduction together means the report says what the underwriter needs it to say, and you know what you are actually covered for.
Capt. Benn is an appointed agent for Keane Specialty Insurance, a specialist marine underwriting operation in Florida writing yacht, motorboat, sailing boat, fishing boat, superyacht and commercial marine risks across the Caribbean. That means the survey and the cover can be arranged together, by one person, who has actually been aboard the vessel.
It is an unusual combination in this market, and a useful one: an underwriter reading a report from a Fellow of two surveying institutions, submitted by their own appointed agent, is not starting from scratch on your vessel.
What is usually covered
- Hull and machinery
- Third-party and skipper liability
- Named-storm and lightning exposure
- Charter and commercial use
- Personal effects and tenders
- Agreed value or market value settlement
What underwriters ask for
- A current condition & valuation survey
- Owner and skipper experience
- Navigation limits and lay-up arrangements
- Mooring or berthing arrangements
- Hurricane-season plan
Renewal coming up?
Get the survey and the introduction handled together — and find out what your policy actually says before you need it to pay.