Marine insurance includes several key types designed to protect both property and liability:

• Hull & machinery (casco) insurance covers physical damage or loss to the vessel and its technical equipment.

• Protection & indemnity (P&I) liability insurance covers the shipowner’s or operator’s liability for damage to third parties, the environment, or cargo.

• Cargo insurance protects goods in transit against damage or loss.

• Crew and passenger insurance provides coverage in case of accidents.

• For international voyages, war and political risk insurance is often required, especially when navigating unstable regions.

• Additionally, charterer’s liability insurance may be applicable for entities chartering vessels.

These insurance types apply to everything from small recreational boats to commercial cargo and specialized vessels.

Railway insurance solutions protect both assets and operational liability:

• Rolling stock hull insurance covers trains, wagons, and railway equipment against damage or loss from accidents, natural disasters, or vandalism.

• Liability insurance protects against damages caused to third parties, including passengers, cargo, and infrastructure.

• Cargo insurance safeguards transported goods throughout the journey.

• Passenger accidents and health insurance covers injuries or health issues during transport.

• Employee and locomotive crew insurance is especially important for international or high-risk routes.

• In some cases, business interruption insurance helps mitigate losses from unexpected delays or route disruptions.

These insurance products are essential for managing risks and ensuring smooth railway operations.

Aviation insurance addresses the high risks of air transport by covering both aircraft and liability:

• Hull insurance covers damage to airplanes, helicopters, and other aviation equipment caused by collisions, technical failures, natural events, or other accidents.

• Liability insurance (aviation liability) covers damages to passengers, cargo, third-party property, or life, both on the ground and in flight.

• Passenger insurance offers compensation for accidents, injuries, or death during flights.

• Cargo insurance protects goods against damage, theft, or loss during air transport.

• For international flights, war, terrorism, and political risk insurance is crucial, particularly when operating in unstable regions.

• Business interruption and delay insurance help airlines manage losses from operational disruptions or flight delays.

Together, these insurance types form an integral part of aviation risk management, ensuring safety, resilience, and compliance with international regulations.