KEY EXCLUSIONS
CONDITIONS & WARRANTIES
GREY AREAS & GAPS
HOW TO AVOID DISPUTES
Marine Equipment Insurance can be extremely broad - covering hull, machinery, floating plant, construction equipment and tools used on or near water. But every policy has exclusions, conditions and warranties that can significantly affect how claims are paid. This page highlights the most common “not covered” areas for UK marine operators and contractors and explains where extra cover or careful wording may be required.
While the detail varies between insurers, most marine policies contain a core set of general exclusions.
Some exposures require specific extensions or separate policies, rather than being automatically covered under Marine Equipment Insurance.
Many disputes arise not because the peril is excluded, but because a warranty or condition has not been met.
Some exclusions can be partially or fully removed if you negotiate the right extensions or companion policies.
Is wear & tear ever covered under marine equipment insurance?
Is machinery breakdown automatically included?
Are fines and penalties covered if we cause pollution?
What happens if we operate outside navigation or working limits?
Can we extend our cover to include some of these exclusions?
The maritime industry operates in one of the most challenging environments on earth. Saltwater corrosion, extreme weather conditions, constant mechanical stress, and the sheer complexity of modern …
When operating in subsea environments, offshore installations, or deep excavation projects, equipment failure at depth presents unique challenges and potentially catastrophic financial consequences. Underst…
When operating equipment that relies on tethering systems, the consequences of failure can be catastrophic. From construction sites to marine operations, telecommunications installations to industrial faci…
Remotely Operated Vehicles (ROVs) represent a significant capital investment for businesses operating in subsea, offshore, and underwater inspection industries. These sophisticated pieces of equipment can…
The subsea industry operates in one of the most challenging environments on Earth. Equipment deployed beneath the ocean's surface faces extreme pressures, corrosive saltwater, unpredictable current…
Marine equipment represents a significant investment for businesses operating in maritime sectors, from commercial fishing operations to marine construction and offshore services. Understanding t…
The aquaculture industry has experienced remarkable growth over the past decade, with fish farming operations expanding to meet global demand for sustainable seafood. As these operations become more…
Scuba diving offers enthusiasts the opportunity to explore underwater worlds, discover marine life, and experience the thrill of weightlessness beneath the waves. However, this exhilarating hob…
Marine research institutions face a unique combination of risks that set them apart from traditional academic facilities. From deep-sea submersibles to coastal laboratories, oceanographic vessels …
Remotely Operated Vehicle (ROV) operators face unique challenges in their daily operations, from deep-sea exploration to underwater infrastructure inspection. The specialized nature of ROV work demands equally…
The subsea engineering sector represents one of the most technically demanding and high-risk areas of the engineering industry. Operating in extreme underwater environments, subsea engineering firm…
Marine survey companies operate in a specialized and high-risk environment where precision, expertise, and professional judgment are critical. Whether conducting pre-purchase surveys, damage …
Operating in the offshore services sector presents unique challenges and risks that require specialized insurance coverage. Whether your company provides marine support, platform maintenance, subs…
The subsea contracting industry operates in one of the most challenging and high-risk environments on Earth. From offshore oil and gas installations to renewable energy projects and underwater in…
Operating high-pressure equipment in deep-depth environments presents unique challenges and substantial risks. Whether your business involves commercial diving, subsea construction, offshore oil a…
Operating equipment in harsh environments presents unique challenges that standard insurance policies often fail to address. Whether your business operates in extreme temperatures, corrosive atmo…
Operating water-based equipment in tropical climates presents unique challenges that require specialized insurance coverage. From intense UV exposure and saltwater corrosion to hurricane risks …
Operating equipment in the Arctic and North Sea presents some of the most challenging conditions in the world. Extreme cold, ice formation, harsh weather, and remote locations create unique risks th…
Operating equipment in shallow water environments presents unique challenges and risks that require specialized insurance coverage. Whether you're involved in marine construction, dredging, coastal m…
Published on Insure24 | Commercial Insurance for Specialist Operations
Ultra-deep water operations represent some of the most cha…
Offshore construction projects represent some of the most complex and high-risk ventures in the construction industry. From oil and gas platforms to wind farms and sub…
Setting up a new platform—whether it's an industrial manufacturing system, digital infrastructure, logistics network, or technology platform—represents a significant investme…
Marine research represents one of the most challenging and rewarding scientific endeavours, yet it comes with substantial financial and operational risks. From deep-sea exploration vess…
The subsea maintenance industry operates in one of the world's most challenging and unpredictable environments. From remotely operated vehicles (ROVs) to specialized tooling and interventi…
Subsea infrastructure represents some of the most valuable and vulnerable assets in the global energy and telecommunications sectors. From oil and gas pipelines to undersea cables and producti…
Platform decommissioning represents one of the most complex and costly operations in the oil, gas, and renewable energy sectors. Whether you're involved in offshore platform removal, ons…
A comprehensive guide to protecting your offshore pipeline operations with specialist insurance and maintenance coverage
Subsea pipeline infrastructure represents one of…
A comprehensive guide to protecting your subsea infrastructure projects
Subsea cable installation represents one of the most critical yet complex infrastructure…
The offshore wind industry represents one of the most dynamic and rapidly expanding sectors in renewable energy. As governments worldwide commit to net-zero targets and businesses inve…
Subsea manipulators represent some of the most sophisticated and expensive equipment in marine operations. These robotic arms, capable of performing intricate tasks thousands of metr…
Published: 2025 | Updated: November 2025 | Reading Time: 12 minutes
Remotely Operated Vehicles (ROVs) represent significant investments for marine, offshore, and inspection operations. …
Operating subsea equipment is one of the most challenging and expensive undertakings in modern industry. Whether you're involved in offshore oil and gas exploration, renewabl…
Autonomous Underwater Vehicles (AUVs) represent a revolutionary leap in marine technology, enabling businesses to conduct deep-sea exploration, environmental monitoring, offshore infras…
Remotely Operated Vehicles (ROVs) have revolutionized industries from offshore oil and gas exploration to marine research and underwater construction. However, operating these sophisticated piece…
The subsea industry operates in one of the most challenging environments on Earth. Deepwater operations require specialized equipment, including cutting tools and …
Underwater inspection equipment represents a significant investment for marine contractors, research institutions, and subsea service providers. From remotely oper…
The oil and gas industry represents one of the most capital-intensive and high-risk sectors in the global economy. From offshore drilling platforms to onshore production facilities, co…
Subsea lighting equipment represents a critical investment for marine research facilities, offshore oil and gas operations, aquaculture farms, and underwater tourism ventures. These special…
Complete guide to protecting your LARS equipment with comprehensive commercial insurance
Launch and Recovery System (LARS) equipment represents a significant in…
Offshore oil and gas operations depend on sophisticated topside control equipment to manage production, safety, and environmental compliance. These surface systems represent millions of poun…
Tether Management Systems (TMS) represent critical infrastructure in offshore operations, subsea construction, and deepwater exploration. These sophisticated systems manage umbilical cables that d…
Autonomous Underwater Vehicles (AUVs) represent cutting-edge technology in marine surveying, oceanographic research, and subsea operations. These sophisticated robotic systems can cos…
Remotely Operated Vehicles (ROVs) have become indispensable in offshore and subsea operations, enabling companies to conduct critical work in deep water environments where human presence …
Marine equipment insurance protects one of your most valuable business assets. Whether you operate fishing vessels, cargo ships, offshore platforms, or maritime support equipment, understanding the…
Marine equipment insurance is a specialized form of commercial insurance designed to protect businesses that operate, own, or rely on maritime equipment and machinery. Whether y…
My Account
